Awful headline. Just adding to the ratio.

Huh, checks out.

Here's what AI says to do.

Yes! I forgot this song existed. Love it.

But which part, being able to rinse it off or not getting too wet?

Muscle memory is telling

Actuaries set rates based on the probability of a claim, and cali says you can't use wild fires in those rates. So say there is a 1% chance of a non-wildfire claim but a 20% chance of a wildfire claim (exaggerated). The premium has to be based on the 1% chance not the actual 20%.