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Comments on the above: <br />• Property premium is up due to annual inflation. <br />• Mobile Property and Equipment Breakdown premium is up as this is tied to the <br />manual premium for property. <br />• Municipal Liability is down due to the experience mod decreasing from 0.939 to <br />0.933 and rate decreases. <br />• Auto Liability/Auto Physical Damage premium is up due to rate increases. <br />Page 2 of 2 <br />220 <br />