here's what buddy caldwell says on the case -- what do you take of that, rebecca?> certainly hasn't been proven yet. the one thing we can say is litigation will be good for lawyers. hundreds of lawyers involved in this case at this point. look as insured person, i want insurance rates to be low. they have to hit a balance between safety and cost. it's not clear state farm has done anything illegal in controlling costs. gerri: state farm is saying all the repairs are up to standards. what's the outcome for consumers in your view? >> consumers don't save money based upon this. this is about state farm protecting their bottom line for their investors, for their chairman of the board. they want the bottom line to be huge, and that is what the problem is, they're not looking to lower costs because insurance costs have actually gone up, almost doubled over the last few years. state farm and other insurance companies lining up behind them because they're the largest, they're not protecting consumers, they're doing something to increase their bottom line. gerri: rebecca, t