00:00The second most important thing is that we need to come down on fraud, but we don't have any fraud
00:07in California, do we? Yeah. So we have a lot of fraud and we as consumers, we pay for that.
00:13In
00:14the, in your insurance policy, when there's fraud, it gets baked into your premium. And we have
00:22nine different locations for fraud out of the department of insurance. They're all officers.
00:29And I've been told that their number, well, I've read and documented their fraud detection and
00:35penalties, their numbers are going down. We're going to come down on hard on fraud.
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