so one of the big issues involves and more, when kurt schmoke is elected, so he comes in in 1987. and one of the really big issues is very high auto insurance premium. gm's folks in this room will be familiar with the fact that auto insurance is mandated at a state level. baltimoreans in the nineties were paying on average about 7% of their income and 2 to 4 times what their suburban were paying, even though they had the same accident record. so we get here into sort of questions about governance of risk, what it means, and sort of who it is that governs risk in the first place. and this is a huge issue because if you're a baltimore and you need a car to get to work and so is actually a local organization that's started it's called quick that tried to issue a challenge to insurers. so they tried to propose and nonprofit insurer and tried to actually combat. they issued quite a formidable challenge private insurers in terms of governance, of risk. these auto insurers by the 1990. so the biggest in maryland during this time were geico automobile insurance corporation and state farm