may be gone in several months. Rumor is that Mercury is dropping it from their auto insurance underwriting criteria for new business in California. I wonder if the DOI is forcing the issue. How competitive will new policies be? The discount can be as high as 30% for 5 plus years of prior insurance. Is this is a way of bringing in more revenue and streamling underwriting operations? It would be interesting to hear how this will affect the growth of the company in California.