Within this overall growth as I noted earlier there has been a
No one is able to profit from the hoa fines or fees. If they do. It is criminal. Based on recent commercial auto industry results we expect further market hardening through 2018. Based on current market conditions and prior year results, we expect incremental rate increases and as always we will focus on underwriting profit as a priority as opposed to top line growth. Within this overall growth as I noted earlier there has been a meaningful shift in mix from a few years ago and a more gradual shift from 2016 to 2017 which we illustrated on Slide 5.
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