Probably not. But their job is to keep track of all of this, they’ve clearly made a healthy premium, so I do believe they have a part in both not preventing it

Probably not. But their job is to keep track of all of this, they’ve clearly made a healthy premium, so I do believe they have a part in both not preventing it at this time and helping to prevent some of it going forward. Not sure what that entails but I get a dozen calls a day and need someone to yell at.