very close, Bud. But, I'm a history buff and if you actually read a book about the Spanish Flu(A REAL Pandemic), you'll see I'm correct. However, our rate increase is all due to Joke Biden's Inflation Reduction Act. He's raised taxes on Corporations that make OVER 1 Billion. We are one of those. So, of course, in the end, only the consumer suffers. Do you shop Amazon at all? Sure, WE ALL DO...guess what, it's not going be anywhere NEAR as cheap as it is right now. The whole point is, the Government is not screwing the Corporations, the Government is screwing US, the Consumers in the very end of it all.