Thanks for the tables. They also show that the 2012 rates were somewhat lower than the 2007 rates, and much lower than they ever were before 2007 (>= 1.95). I

Thanks for the tables. They also show that the 2012 rates were somewhat lower than the 2007 rates, and much lower than they ever were before 2007 (>= 1.95). I still think it's right to expect sustained improvement over the long-term.