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Dramatically from state to state because different states have different insurance regulations. in a state like new york state, you will see some decreases in what people will see on the individual market. in most other states you will see pretty substantial increases. in the premium that's people will be paying. and again that depends on your health status and many other characteristics. that i think the picture is not as rosie as i think he thinks it is. a little better in some states but in most spots, people are really seeing rate shock. this is not made up. this is not imaginary. it is a ...

Is that relevant? >> it goes to whether the defendant, whether she behaved in a way that gave the defendant reason to believe she was trying to get into the home. that's why those facts are so critical. a lot of the other stuff is just window dressing. despite what sonny says which is interesting from a discussion perspective, but under michigan law it is clear. if the defendant believed someone is trying to enter their home, that becomes either a home invasion situation or an entry situation. and under the law, there is a rebutable presumption that the defendant believes that he was under let...