Car insurance

[Millennial_Messiah]

Anyone else see a HUGE car insurance spike between the last 6 month term and the upcoming one?

Seems like Texas hiked the state minimum liability big time.

After the discount I'm going from around $700 to over $1100 (for only 6 months, not the whole year) and that's with no new accidents, incidents, or changes in coverage. FFFFFFFFFFFFFFFUUUUUUUUUUUUUUUU

[clambake]

It’s based on your posting history.

[DeadlyDynasty]

It’s based on your posting history.
:lmao

[Will Hunting]

Anyone else see a HUGE car insurance spike between the last 6 month term and the upcoming one?

Seems like Texas hiked the state minimum liability big time.

After the discount I'm going from around $700 to over $1100 (for only 6 months, not the whole year) and that's with no new accidents, incidents, or changes in coverage. FFFFFFFFFFFFFFFUUUUUUUUUUUUUUUU
Yep, I got hit with a huge increase too with no explanation .

[leemajors]

Yep, I got hit with a huge increase too with no explanation .

Mine only went up $120 over 6 months with USAA but it still sucks

[Spurs Homer]

Anyone else see a HUGE car insurance spike between the last 6 month term and the upcoming one?

Seems like Texas hiked the state minimum liability big time.

After the discount I'm going from around $700 to over $1100 (for only 6 months, not the whole year) and that's with no new accidents, incidents, or changes in coverage. FFFFFFFFFFFFFFFUUUUUUUUUUUUUUUU

keep voting republican…

you get what you pay for…

[Millennial_Messiah]

Yep, I got hit with a huge increase too with no explanation .

In DC?

[Millennial_Messiah]

keep voting republican…

you get what you pay for…

Lol, inflation is largely a democrat keynesian spending problem... yes 10-15 GOP grifted onto the dems spending bill, but all dems except for maybe 102 voted for it

The car insurance rate hikes seem to be a direct relation to the Texas legislature increasing the state minimums for liability by around 30-35%. Which is due to car values going up by about that much and that is due to inflation which is due to keynesian spending which is more of a Democrat federal problem than GOP.

Not that Trump isn't immune from some blame for spending in April 2020 but the Dems deserve most of it.

[Millennial_Messiah]

Mine only went up $120 over 6 months with USAA but it still sucks

And most of us can't access USAA. USAA is the cheapest in the market I believe by a good margin but it's not available to most people.

[Xevious]

If USAA is the cheapest, I'd hate to see everyone else's bills. With four vehicles and homeowners insurance, USAA gets a hefty sum from me.

[baseline bum]

Lol, inflation is largely a democrat keynesian spending problem... yes 10-15 GOP grifted onto the dems spending bill, but all dems except for maybe 102 voted for it


What a load. Our inflation right now is corporate profiteering; corporate profits are at a 70 year high.

[SpursforSix]

And most of us can't access USAA. USAA is the cheapest in the market I believe by a good margin but it's not available to most people.

Man...I'm glad USAA was mentioned. I used to have this when I was younger through my parents. If I understand their new policy, I can get back on it even after they're deceased.
I totaled a car two months after buying it and they just about covered the full price.

[Millennial_Messiah]

Man...I'm glad USAA was mentioned. I used to have this when I was younger through my parents. If I understand their new policy, I can get back on it even after they're deceased.
I totaled a car two months after buying it and they just about covered the full price.
not everyone is lucky enough to have daddy be a veteran.

[SpursforSix]

not everyone is lucky enough to have daddy be a veteran.

What the fuck does that even mean.

[leemajors]

What the fuck does that even mean.

Yeah it's based on posting history not sure what he is on about.

[DeadlyDynasty]

I thought you were making 200K/yr. Why are you bitching about 1% of that?

[Will Hunting]

In DC?
Yep, largest increase I've ever had.

[Xevious]

Man...I'm glad USAA was mentioned. I used to have this when I was younger through my parents. If I understand their new policy, I can get back on it even after they're deceased.
I totaled a car two months after buying it and they just about covered the full price.

As far as I know, once you're a USAA member, you're a member for life. So yes you should be able to go back.

[SpursforSix]

As far as I know, once you're a USAA member, you're a member for life. So yes you should be able to go back.

Yeah...I think they changed this at some point. Or maybe when my parents died, it was dropped and I couldn't pick it up again. But now, I think they broadened the qualifications.
That being said, I've heard from some family members that they've been disappointed in USAA over the last few years. Which I suppose you could say about any insurance company.

We have Farmer's for almost everything and I called in to check what our insurance coverage was for our house (due to a lot of fires in our area) and we were under insured by 50% due to house prices and replacement costs.
I'd think this is something that the agent would have called me about.

[Millennial_Messiah]

Yep, largest increase I've ever had.

Ouch.

One thing I do know is that drivers have gotten worse in pretty much all high populated parts in the USA in general. Maybe it's the increase in drug use, including recreational weed?

[Millennial_Messiah]

I thought you were making 200K/yr. Why are you bitching about 1% of that?

Every dollar matters especially when your career is a Jenga block tower like mine is.

[SpursforSix]

Every dollar matters especially when your career is a Jenga block tower like mine is.

So you're making $200,000 and your insurance went up $240 per year and you can't figure out how to offset that by reducing some other expenses?

[Millennial_Messiah]

So you're making $200,000 and your insurance went up $240 per year and you can't figure out how to offset that by reducing some other expenses?

Went up by closer to $1000 per year (close to 500 every six months) but the point is is that "making 200k a year" is a misnomer and fool's gold like saying the 2022 Vikings were a good team because they won 13 games. My career is a jenga block tower and built on a foundation of quicksand. Once the IT world determines covid is officially "over" and everybody has to go back into the office full time, my income is zero or maybe a few thousand a year from bonds on 1099-INT. Maybe I'll get lucky and qualify for some money from the government... but in any case my W2 income goes to zero.

[spurraider21]

i use nationwide. for both my cars i pay about 960/year. hadnt experienced any jumps or anything like that, though im not due for a term renewal until june, so i'll check it out around then.

unless its something crazy i doubt i'll care much. living in charlottesville, from a pure cost of living perspective, is so freaking easy compared to what i grew up used to in LA :lol. even on a single income. for reference, ive been paying just under 1k/year to insure 2 cars. back in LA, the cheaper of those 2 cars would cost me about 1k every 6 months. so yeah, given that, idgaf if my rate jumps by 50% :lol

[Tyronn Lue]

For cars and homes, the market value of each has risen significantly. Couple that with shortages in skilled labor for repairs, auto part availabilities and turn around times (and rental car prices), I can see why the price increases. Haven't noticed it yet though.

[Tyronn Lue]

Went up by closer to $1000 per year (close to 500 every six months) but the point is is that "making 200k a year" is a misnomer and fool's gold like saying the 2022 Vikings were a good team because they won 13 games. My career is a jenga block tower and built on a foundation of quicksand. Once the IT world determines covid is officially "over" and everybody has to go back into the office full time, my income is zero or maybe a few thousand a year from bonds on 1099-INT. Maybe I'll get lucky and qualify for some money from the government... but in any case my W2 income goes to zero.
You're the one who misnomered it.

[Tyronn Lue]

I can attest to the fact that my 109K 2018 income (living in Dallas) is NOT rich or upper-middle class by any standards. It's middle-middle-class at best.


Annually...

Below 50K is impoverished
50K-150K is lower middle class
150K-250K is middle middle class
250K-1M is upper middle class
1M+ is just rich.


Went up by closer to $1000 per year (close to 500 every six months) but the point is is that "making 200k a year" is a misnomer and fool's gold like saying the 2022 Vikings were a good team because they won 13 games. My career is a jenga block tower and built on a foundation of quicksand. Once the IT world determines covid is officially "over" and everybody has to go back into the office full time, my income is zero or maybe a few thousand a year from bonds on 1099-INT. Maybe I'll get lucky and qualify for some money from the government... but in any case my W2 income goes to zero.

Did anyone else here know COVID started in 2018?

You tell so many lies you'll eventually meet yourself going in the other direction.

[Millennial_Messiah]

Did anyone else here know COVID started in 2018?

You tell so many lies you'll eventually meet yourself going in the other direction.

right, but my income for 2020 and 2022 was north of 400k, and in 2021 it was just north of 500k. It peaked and it's now on a downward trend, and before covid as you could see I was in that mediocre 100k-200k bracket, but back then I was actually fine with going to an office because work from home being the norm was pretty much unheard-of pre covid, and now I've been completely WFH for almost 3 years I will not even consider going back to an office full time.

[benefactor]

Per my insurance buddy, its across the board. Increased costs of materials in accidents, replacement vehicles, medical services in the event an injury, etc. Our current climate has caused it and the man with no accidents or tickets is footing the bill. Corporations have been doing shit like this since the beginning of time.

[rascal]

right, but my income for 2020 and 2022 was north of 400k, and in 2021 it was just north of 500k. It peaked and it's now on a downward trend, and before covid as you could see I was in that mediocre 100k-200k bracket, but back then I was actually fine with going to an office because work from home being the norm was pretty much unheard-of pre covid, and now I've been completely WFH for almost 3 years I will not even consider going back to an office full time.

How do people make so much money?

[Millennial_Messiah]

How do people make so much money?

Covid

[Tyronn Lue]

right, but my income for 2020 and 2022 was north of 400k, and in 2021 it was just north of 500k. It peaked and it's now on a downward trend, and before covid as you could see I was in that mediocre 100k-200k bracket, but back then I was actually fine with going to an office because work from home being the norm was pretty much unheard-of pre covid, and now I've been completely WFH for almost 3 years I will not even consider going back to an office full time.
:lmao

[Millennial_Messiah]

:lmao

Laugh all you want, but that's a statement echoed by a lot of folks who have been nestled in a long term WFH situation since March 2020.

Elon Musk can go fuck himself honestly over his mandatory 5-days-in-the-office policy for tech workers in his companies, especially considering the exorbitant California gas prices and traffic there. He's not doing right by his own employees.

[Tyronn Lue]

Income is revenue minus the cost of doing business. If you're saying you pay 75% income taxes (you said in one thread you net less than 100K but made over 400K) you should explain how that works. Otherwise you're calling revenue "income".

[BD24]

How do people make so much money?
He doesn’t. I work in the tech world and 90% of what Andy spouts is so far off base. I pressed him in the past on what specifically he does for work, but never got a straight answer. He just used buzzwords to try and pass himself off. If Andy even works in the tech world, which I highly doubt, he is most likely help desk or desktop support tbh.

[Millennial_Messiah]

He doesn’t. I work in the tech world and 90% of what Andy spouts is so far off base. I pressed him in the past on what specifically he does for work, but never got a straight answer. He just used buzzwords to try and pass himself off. If Andy even works in the tech world, which I highly doubt, he is most likely help desk or desktop support tbh.

:lol

Those guys are beneath me and are lucky to crack 50k pre covid or 60k post bidenflation/covid.

Also, those guys do way more actual work than me. I don't think I'm capable of doing that kind of work. Too tedious and menial.

I've said it before numerous times - my best job skill is interviewing. My second best job skill is answering emails professionally enough to not get canned and string out my employment as long as possible.

[Millennial_Messiah]

Income is revenue minus the cost of doing business. If you're saying you pay 75% income taxes (you said in one thread you net less than 100K but made over 400K) you should explain how that works. Otherwise you're calling revenue "income".

I did lose $334k on a business deal last year straight up.

[rascal]

55k is average income for Dallas

[spurraider21]

How do people make so much money?
he's a pathological liar. one of the reasons i put him on ignore a while ago

[SpursforSix]

Bed Bath and Beyond is closing 87 more stores.

https://www.cnn.com/2023/02/01/business/bed-bath-beyond-closures-list/index.html

[spurraider21]

Bed Bath and Beyond is closing 87 more stores.

https://www.cnn.com/2023/02/01/business/bed-bath-beyond-closures-list/index.html

https://www.youtube.com/watch?v=g5rXBq7vyck

[Xevious]

Bed Bath and Beyond is closing 87 more stores.

https://www.cnn.com/2023/02/01/business/bed-bath-beyond-closures-list/index.html

Hopefully Andy's store isn't one of the ones effected.

[SpursforSix]

Hopefully Andy's store isn't one of the ones effected.

Yeah...I get that. Imagine a community left in the dark where they have no one to recommend what towels to purchase.

[BD24]

Bed Bath and Beyond is closing 87 more stores.

https://www.cnn.com/2023/02/01/business/bed-bath-beyond-closures-list/index.html
:lol

[Tyronn Lue]

I did lose $334k on a business deal last year straight up.
This reeks of a convenient patch for your slip-up. If you lose that much on a business deal, that means you didn't make 400K. Which is it bro? Did you net less than 100K while making 400K or did you lose 334K while making 400K meaning you made less than 66K before taxes. Businesses who have that many business expenses don't ignore losses when they talk about their earnings, unless you've never seen an earnings report you should know this.

I'm not calling you a liar, but your accounting is sus.

[BD24]

This reeks of a convenient patch for your slip-up. If you lose that much on a business deal, that means you didn't make 400K. Which is it bro? Did you net less than 100K while making 400K or did you lose 334K while making 400K meaning you made less than 66K before taxes. Businesses who have that many business expenses don't ignore losses when they talk about their earnings, unless you've never seen an earnings report you should know this.

I'm not calling you a liar, but your accounting is sus.
He is 100% a liar. Feel free to call him that all you want

[Millennial_Messiah]

This reeks of a convenient patch for your slip-up. If you lose that much on a business deal, that means you didn't make 400K. Which is it bro? Did you net less than 100K while making 400K or did you lose 334K while making 400K meaning you made less than 66K before taxes. Businesses who have that many business expenses don't ignore losses when they talk about their earnings, unless you've never seen an earnings report you should know this.

I'm not calling you a liar, but your accounting is sus.
I made 450K on W2 and lost 334K on a separate business deal because either the California guy my college frat buddy / best friend was working with duped us, or the real estate firm in Illinois that the California LLC invested in duped them, or both. Simple as that.

[Ef-man]

He is 100% a liar. Feel free to call him that all you want

So if ducks has more tech business experience than MM, imagine how much more he earns? A regular DaddyWarDucks, damn!

[Tyronn Lue]

I made 450K on W2 and lost 334K on a separate business deal because either the California guy my college frat buddy / best friend was working with duped us, or the real estate firm in Illinois that the California LLC invested in duped them, or both. Simple as that.
You should really take some business classes. Your story goofs would be flagged all day on IMDB if it was a movie script.

[spurraider21]

i use nationwide. for both my cars i pay about 960/year. hadnt experienced any jumps or anything like that, though im not due for a term renewal until june, so i'll check it out around then.

unless its something crazy i doubt i'll care much. living in charlottesville, from a pure cost of living perspective, is so freaking easy compared to what i grew up used to in LA :lol. even on a single income. for reference, ive been paying just under 1k/year to insure 2 cars. back in LA, the cheaper of those 2 cars would cost me about 1k every 6 months. so yeah, given that, idgaf if my rate jumps by 50% :lol
just paid $1,060 for my renewal, so rate didnt go up by all that much

[Millennial_Messiah]

just paid $1,060 for my renewal, so rate didnt go up by all that much

Year? Aren't there only a couple companies that offer annual plans instead of shitty 6-month coverage? Like obviously throwing out USAA because most people can't get it, which other major companies offer this? Only one I know of is Liberty Mutual.

For full coverage on my 2020 Camry it was going to be like $5k per year. Fuck that.

[clambake]

Dude, you are a trip, man

[Robz4000]

Mine went up about $70/month for each car with Progressive (took off two older cars for two new cars in the past few months to be fair).

[RandomGuy]

[QUOTE=Millennial_Messiah;10854002]Anyone else see a HUGE car insurance spike between the last 6 month term and the upcoming one?

Seems like Texas hiked the state minimum liability big time.

After the discount I'm going from around $700 to over $1100 (for only 6 months, not the whole year) and that's with no new accidents, incidents, or changes in coverage. FFFFFFFFFFFFFFFUUUUUUUUUUUUUUUU[/QUO

"texas" doesn't hike rates, companies do.

Insurance companies make a lot of their money on bond investments. With rising interest rates, those bonds are worth a lot less, so they have to make up rates somehow, and there is just the fact that when claim costs go up, they have to make THAT up as well.

[RandomGuy]

Year? Aren't there only a couple companies that offer annual plans instead of shitty 6-month coverage? Like obviously throwing out USAA because most people can't get it, which other major companies offer this? Only one I know of is Liberty Mutual.

For full coverage on my 2020 Camry it was going to be like $5k per year. Fuck that.

Almost all auto polices are annual policies. They just let you pay monthly because most people like that and don't have the financial discipline to save up money and pay once per year.

[RandomGuy]

Lol, inflation is largely a democrat keynesian spending problem... yes 10-15 GOP grifted onto the dems spending bill, but all dems except for maybe 102 voted for it

The car insurance rate hikes seem to be a direct relation to the Texas legislature increasing the state minimums for liability by around 30-35%. Which is due to car values going up by about that much and that is due to inflation which is due to keynesian spending which is more of a Democrat federal problem than GOP.

Not that Trump isn't immune from some blame for spending in April 2020 but the Dems deserve most of it.

"democrat keynesian" :LOL

Inflation is due to a lot of reshoring industrial capacity. Get used to it, because China's demographics are imploding at the same time their government proves itself a bad faith, unstable partner.

[RandomGuy]

Year? Aren't there only a couple companies that offer annual plans instead of shitty 6-month coverage? Like obviously throwing out USAA because most people can't get it, which other major companies offer this? Only one I know of is Liberty Mutual.

For full coverage on my 2020 Camry it was going to be like $5k per year. Fuck that.

DUIs will do that.

[Ef-man]

DUIs will do that.

His driving history is as bad as his browsing history! :lol

[RandomGuy]

His driving history is as bad as his browsing history! :lol

5 grand for a 2020 camry.. .yeah. I am guessing there are several tickets on his record.

[Millennial_Messiah]

DUIs will do that.

No

[Millennial_Messiah]

His driving history is as bad as his browsing history! :lol

Nope

[Millennial_Messiah]

Failed attempts at picking on me

[Millennial_Messiah]

"democrat keynesian" :LOL

Inflation is due to a lot of reshoring industrial capacity. Get used to it, because China's demographics are imploding at the same time their government proves itself a bad faith, unstable partner.
Quantitative easing, government spending, Trump Tariffs

but for some reason the prices didn't go up in 2019 in spite of the tariffs

[Millennial_Messiah]

5 grand for a 2020 camry.. .yeah. I am guessing there are several tickets on his record.

ZERO tickets, zero criminal offenses.

Just hitting a deer 6 total times in the past 6 years, in 6 different states (actually 5 and 1 month at this point, and 1 is going to fall off after next month) &, therefore, 6 insurance claims. Though NOT MY FAULT. Just rotten luck.

But none of them at-fault to me and yet that stupid C.L.U.E. just generically labels them as "accidents" and allows them to more than double my rate. Even for fucking liability. What the fuck. I've never been in a crash with another car and never gotten a ticket.

Instead of focusing on forgiving fucking student loan debt to plebs that signed contracts, how about abolishing the C.L.U.E. system?

[RandomGuy]

ZERO tickets, zero criminal offenses.

Just hitting a deer 6 total times in the past 6 years, in 6 different states (actually 5 and 1 month at this point, and 1 is going to fall off after next month) &, therefore, 6 insurance claims. Though NOT MY FAULT. Just rotten luck.

But none of them at-fault to me and yet that stupid C.L.U.E. just generically labels them as "accidents" and allows them to more than double my rate. Even for fucking liability. What the fuck. I've never been in a crash with another car and never gotten a ticket.

Instead of focusing on forgiving fucking student loan debt to plebs that signed contracts, how about abolishing the C.L.U.E. system?


Just hitting a deer 6 total times in the past 6 years

That is not "bad luck" that is driving in places with deer, and likely faster than you should, if I were to guess. Both of which absolutely means it is more than fair to add to your risk profile.

That said, you should talk to an underwriter for your company, not just an insurance agent. UW does sometimes have SOME leeway, especially if you are with a company for a while.

Shop around a bit, you may find some company whose UW guidelines allow them to score you a bit lower. I have rarely seen UW guidelines (my work has me reviewing these on a regular basis, usually for car insurance) that would allow for that leeway, but the longer you have a streak without similar incidents, the more likely you are to be granted whatever leeway they have.

[RandomGuy]

Quantitative easing, government spending, Trump Tariffs

but for some reason the prices didn't go up in 2019 in spite of the tariffs

For some reason. :rollin

Think hard.

[Millennial_Messiah]

That is not "bad luck" that is driving in places with deer, and likely faster than you should, if I were to guess. Both of which absolutely means it is more than fair to add to your risk profile.

That said, you should talk to an underwriter for your company, not just an insurance agent. UW does sometimes have SOME leeway, especially if you are with a company for a while.

Shop around a bit, you may find some company whose UW guidelines allow them to score you a bit lower. I have rarely seen UW guidelines (my work has me reviewing these on a regular basis, usually for car insurance) that would allow for that leeway, but the longer you have a streak without similar incidents, the more likely you are to be granted whatever leeway they have.

Not faster than I should. I don't speed. I barely cruise 2-3 MPH over the speed limit and in-car speedometers are always a couple MPH bullish anyway. :lol

If i'm behind a truck instead of passing if they're going a few under especially on rural roads or if it's not broad daylight, i'll tailgate them. Gets good MPG and pretty much guarantees I won't hit the deer.

Driving in places with deer? Everywhere rural that's not desert has deer. Rural people pay LESS for car insurance vs. city people.

Talking to an agent/UW might be an option - though all 6 "incidents" are exactly pretty much the same, deer claims :lol though one was obviously worse than the other 5, which were all lower four-figure claims, while the Illinois Halloween 2021 midnight deer driving 72MPH on a 70MPH on I-57 northbound just thirteen miles north of Missouri, all but totaled my car and was a ~$25K claim that Progressive pretty much had to eat apart from my $250 deductible.

[Millennial_Messiah]

For some reason. :rollin

Think hard.

Because we had 1.3% inflation that year in spite of the tariffs. Because government spending was low and we didn't have that stimulus crap that Bitch McConnell forced through in early spring 2020 which was retarded and unfair.

[Millennial_Messiah]

another issue is, you get a huge "discount" (though still ungodly expensive) when buying car insurance online vs. calling a live agent, so you lose that "discount" and pay more when you have to talk to an agent vs. shopping online

[Ef-man]

It would be much cheaper to get a hunting license and a hunting lease! :lol

One, sure, an accident, two, god hates you, but 6, that is poaching and game warden is obviously on to you with insurance company.

[RandomGuy]

MM opined:

Quantitative easing, government spending, Trump Tariffs

but for some reason the prices didn't go up in 2019 in spite of the tariffs
----
RG was amused:
For some reason.

Think hard.


Because we had 1.3% inflation that year in spite of the tariffs. Because government spending was low and we didn't have that stimulus crap that Bitch McConnell forced through in early spring 2020 which was retarded and unfair.

Sooo you can't think of any other reason inflation might have been mitigated in 2019? none at all?

[Millennial_Messiah]

Sooo you can't think of any other reason inflation might have been mitigated in 2019? none at all?

Well, it definitely wasn't Covid, in spite of the slightly misleading nickname "COVID-19", which did not spread globally until February 2020 and did not achieve epidemic/pandemic level status until March.

[Millennial_Messiah]

It would be much cheaper to get a hunting license and a hunting lease! :lol

One, sure, an accident, two, god hates you, but 6, that is poaching and game warden is obviously on to you with insurance company.
It needs to be federal law that all major routes (interstate, US-routes, and state highways) have guard fences on the road side of trees on both sides to prevent animals especially deer from jumping into the road. That is human territory. The woods are animals' territory.

[Millennial_Messiah]

MM opined:

Quantitative easing, government spending, Trump Tariffs

but for some reason the prices didn't go up in 2019 in spite of the tariffs
----
RG was amused:
For some reason.

Think hard.



Sooo you can't think of any other reason inflation might have been mitigated in 2019? none at all?

Well then?

[Ef-man]

It needs to be federal law that all major routes (interstate, US-routes, and state highways) have guard fences on the road side of trees on both sides to prevent animals especially deer from jumping into the road. That is human territory. The woods are animals' territory.

So now you are in favor of big government, higher taxes to build/maintain fences, and big government overreach? :lol

[Millennial_Messiah]

So now you are in favor of big government, higher taxes to build/maintain fences, and big government overreach? :lol

The tax money would cost less than insurance hikes and insurance deductibles and save both me and the insurance companies a lot of money and that's not even accounting for the human injury toll factor.

[Ef-man]

The tax money would cost less than insurance hikes and insurance deductibles and save both me and the insurance companies a lot of money and that's not even accounting for the human injury toll factor.

So now you really support big government, big insurance, and want 99.9% of good drivers to subsidize the 0.1% with bad driving skills?

What, is this communist China? What happened to pulling yourself up by your bootstraps and being accountable for your actions?