I think that operating margin might not be a good metric for measuring this. Although, I do think that there is too much focus on the 80% rule in general. I me

I think that operating margin might not be a good metric for measuring this. Although, I do think that there is too much focus on the 80% rule in general. I mean, if all of the insurance companies are really close to that already (or even marginally above it), then it shouldn't matter either way, right?