Paul, This is a joke. Last month I got a 49% increase and immediately complained and wanted to know why. The state insurance fund reasoning was JUST BECAUSE, everyone is going to pay more. In 11 years of business I have never had a claim. I don't know if it is this way all across the country but the increase in cost to due business is getting out of control. Taxes, Insurance, Osha, Ul, EPA, DOT. Over the last year we have been forced to lay off two part time guys and one of my four service/install guys. Don't take me wrong, business is booming but it is struggle to continue to turn a profit and grow when everyone is in your pocket. I guess we can all thank our politicians for this economic trend. Anyone who thinks we live in a democratic state is sadly mistaken, we live in a socialist state that thinks redistribution of wealth will fix everything. Well they are wrong. All they are doing is forcing us to charge more.