joel loubscher, insurance consumer advocate with united policyholders, a nonprofit that provides information and resources to consumers. joel thanks for your time. >> yes, thanks for having me, chris. >> refresh our memory. we reported this when it first came out. why is state farm not renewing and not insuring new people in a whole bunch of bay area counties? >> yeah, there are likely a couple of different reasons. one is that state farm's financial rating was downgraded recently just last month from an a to a b from am best uh- they're going to focus at state farm on rebuilding their surplus. so they're probably trying to reduce any area with a catastrophe level, risk. you know, insurers in general in california recently have been pressing for higher rates. and, you know, this is probably in line with that as well. that state farm is waiting to see, what what steps the department of insurance takes to allow the insurance market to charge more premiums. >> i see okay, i don't want to say it's a game, but it kind of sort of is. they have to take this step in order to get what they want. righ