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<br />7706 Fire - Paid 6.13 11 6.79 <br />7716 Fire - Paid (non-smokiriCi) 5.53 11 6.11 <br />7708 Fire - Volunteer 62.99 20 75.59 <br />7718 Fire-Vol (non-smokina) 56.71 20 68.06 <br />7720 Police 4.06 -4 3.90 <br />7721 Police (non-smokina) 3.65 -4 3.51 <br />8017 Liquor - Off Sale 2.13 3 2.19 <br />8227 City Shop 5.26 15 6.05 <br />8810 Clerical .61 19 .72 <br />8829 Nursing Home - Prof 4.89 -10 4.42 <br />8830 Nursinq Home - Other 3.63 10 3.99 <br />8833 Hospital - Prof 2.64 -17 2.19 <br />9015 Buildinq Maint 4.80 -2 4.72 <br />9033 Housing Authoritv 3.62 -25 2.71 <br />9040 Hospital - Other 5.44 20 6.52 <br />9060 Golf course 1.72 -7 1.60 <br />9063 Community center 1.56 -15 1.33 <br />9084 Liquor - On Sale 3.53 -9 3.22 <br />9102 Parks 3.21 3 3.31 <br />9182 Ice Arenas 1.87 -33 1.25 <br />9403 Garbaqe 7.06 1 7.11 <br />9410 Municipal Employees 1.10 -62 .42 <br />9411 Elected Officials .42 -57 .18 <br /> <br />In addition to the overall flat rates and indicated class rate changes, the work comp credit for <br />managed care participation will be reduced from 3% to 2%. Ongoing analysis ofthe managed <br />care work comp program shows inconclusive savings for participation in managed care. While <br />we think a credit still makes sense for managed care, the reduction is indicative of some caution <br />about the ultimate benefit of managed care in workers' compensation. <br /> <br />The work comp program will not return a dividend this year. <br /> <br />What's behind the rate changes? <br /> <br />Property/casualty <br /> <br />Overall, the liability loss picture doesn't look much different than it has in the recent past, and <br />we don't see any new trends or alarming patterns. Liability losses make up not quite half of our <br />total loss cost and have been remarkably stable for the past few years. Actual loss costs have <br />been coming in below our projections. <br /> <br />Litigation relating to land use regulation and development continues to be a concern. Land use <br />litigation costs average between about $2 and $2.5 million a year - and they can vary a great deal <br />from year to year. Of similar concern are sewer back-up liability costs, which shot up to the $2 <br />million range in 2005 and are expected to be similar for 2006. Police liability claims also look to <br />be high thus far in 2006. <br /> <br />Property makes up about a third of our loss cost and property losses tend to be more variable <br />than liability. We did have higher-than-expected property losses this year, which accounts for <br /> <br />3 <br />