About: http://webisa.webdatacommons.org/352215139

Property	Value
http://www.w3.org/1999/02/22-rdf-syntax-ns#type	http://www.w3.org/ns/prov#Entity
http://www.w3.org/ns/prov#value	So, the loss ratio -- the other thing I would say which we referenced in the letter in the like particularly towards the last half of that last year, we did reduce our advertising spend which was influencing the expense ratio.
http://www.w3.org/ns/prov#wasQuotedFrom	morningstar.com