id	sid	tid	token	lemma	pos
blsr-19367	1	1	julia	julia	PROPN
blsr-19367	1	2	kuhn.docx	kuhn.docx	PROPN
blsr-19367	1	3	bellarmine	bellarmine	PROPN
blsr-19367	1	4	law	law	NOUN
blsr-19367	1	5	society	society	NOUN
blsr-19367	1	6	review	review	NOUN
blsr-19367	1	7	volume	volume	NOUN
blsr-19367	1	8	xv	xv	VERB
blsr-19367	2	1	|	|	ADV
blsr-19367	2	2	issue	issue	VERB
blsr-19367	2	3	i	i	PRON
blsr-19367	2	4	article	article	NOUN
blsr-19367	2	5	ii	ii	VERB
blsr-19367	2	6	the	the	DET
blsr-19367	2	7	impact	impact	NOUN
blsr-19367	2	8	of	of	ADP
blsr-19367	2	9	climate	climate	NOUN
blsr-19367	2	10	shocks	shock	NOUN
blsr-19367	2	11	on	on	ADP
blsr-19367	2	12	homeowners	homeowner	NOUN
blsr-19367	2	13	'	'	PART
blsr-19367	2	14	insurance	insurance	NOUN
blsr-19367	2	15	:	:	PUNCT
blsr-19367	2	16	a	a	DET
blsr-19367	2	17	legal	legal	ADJ
blsr-19367	2	18	,	,	PUNCT
blsr-19367	2	19	economic	economic	ADJ
blsr-19367	2	20	,	,	PUNCT
blsr-19367	2	21	and	and	CCONJ
blsr-19367	2	22	public	public	ADJ
blsr-19367	2	23	policy	policy	NOUN
blsr-19367	2	24	analysis	analysis	NOUN
blsr-19367	2	25	julia	julia	PROPN
blsr-19367	2	26	kuhn	kuhn	PROPN
blsr-19367	2	27	boston	boston	PROPN
blsr-19367	2	28	college	college	PROPN
blsr-19367	2	29	,	,	PUNCT
blsr-19367	2	30	julia.kuhn@bc.edu	julia.kuhn@bc.edu	VERB
blsr-19367	2	31	the	the	DET
blsr-19367	2	32	impact	impact	NOUN
blsr-19367	2	33	of	of	ADP
blsr-19367	2	34	climate	climate	NOUN
blsr-19367	2	35	shocks	shock	NOUN
blsr-19367	2	36	on	on	ADP
blsr-19367	2	37	homeowners	homeowner	NOUN
blsr-19367	2	38	'	'	PART
blsr-19367	2	39	insurance	insurance	NOUN
blsr-19367	2	40	:	:	PUNCT
blsr-19367	2	41	a	a	DET
blsr-19367	2	42	legal	legal	ADJ
blsr-19367	2	43	,	,	PUNCT
blsr-19367	2	44	economic	economic	ADJ
blsr-19367	2	45	,	,	PUNCT
blsr-19367	2	46	and	and	CCONJ
blsr-19367	2	47	public	public	ADJ
blsr-19367	2	48	policy	policy	NOUN
blsr-19367	2	49	analysis	analysis	NOUN
blsr-19367	2	50	julia	julia	PROPN
blsr-19367	2	51	kuhn	kuhn	PROPN
blsr-19367	2	52	1	1	NUM
blsr-19367	2	53	abstract	abstract	NOUN
blsr-19367	2	54	:	:	PUNCT
blsr-19367	2	55	in	in	ADP
blsr-19367	2	56	the	the	DET
blsr-19367	2	57	past	past	ADJ
blsr-19367	2	58	decade	decade	NOUN
blsr-19367	2	59	,	,	PUNCT
blsr-19367	2	60	climate	climate	NOUN
blsr-19367	2	61	shocks	shock	NOUN
blsr-19367	2	62	have	have	AUX
blsr-19367	2	63	ravaged	ravage	VERB
blsr-19367	2	64	the	the	DET
blsr-19367	2	65	united	united	PROPN
blsr-19367	2	66	states	states	PROPN
blsr-19367	2	67	at	at	ADP
blsr-19367	2	68	unprecedented	unprecedented	ADJ
blsr-19367	2	69	levels	level	NOUN
blsr-19367	2	70	.	.	PUNCT
blsr-19367	3	1	this	this	DET
blsr-19367	3	2	paper	paper	NOUN
blsr-19367	3	3	addresses	address	VERB
blsr-19367	3	4	one	one	NUM
blsr-19367	3	5	of	of	ADP
blsr-19367	3	6	the	the	DET
blsr-19367	3	7	first	first	ADJ
blsr-19367	3	8	victims	victim	NOUN
blsr-19367	3	9	:	:	PUNCT
blsr-19367	3	10	homeowners	homeowner	NOUN
blsr-19367	3	11	.	.	PUNCT
blsr-19367	4	1	given	give	VERB
blsr-19367	4	2	the	the	DET
blsr-19367	4	3	increasing	increase	VERB
blsr-19367	4	4	frequency	frequency	NOUN
blsr-19367	4	5	and	and	CCONJ
blsr-19367	4	6	severity	severity	NOUN
blsr-19367	4	7	of	of	ADP
blsr-19367	4	8	these	these	DET
blsr-19367	4	9	shocks	shock	NOUN
blsr-19367	4	10	,	,	PUNCT
blsr-19367	4	11	insurance	insurance	NOUN
blsr-19367	4	12	companies	company	NOUN
blsr-19367	4	13	have	have	AUX
blsr-19367	4	14	begun	begin	VERB
blsr-19367	4	15	charging	charge	VERB
blsr-19367	4	16	sky	sky	NOUN
blsr-19367	4	17	-	-	PUNCT
blsr-19367	4	18	high	high	ADJ
blsr-19367	4	19	premiums	premium	NOUN
blsr-19367	4	20	,	,	PUNCT
blsr-19367	4	21	or	or	CCONJ
blsr-19367	4	22	in	in	ADP
blsr-19367	4	23	a	a	DET
blsr-19367	4	24	rising	rise	VERB
blsr-19367	4	25	number	number	NOUN
blsr-19367	4	26	of	of	ADP
blsr-19367	4	27	cases	case	NOUN
blsr-19367	4	28	,	,	PUNCT
blsr-19367	4	29	completely	completely	ADV
blsr-19367	4	30	dropping	drop	VERB
blsr-19367	4	31	policies	policy	NOUN
blsr-19367	4	32	in	in	ADP
blsr-19367	4	33	high	high	ADJ
blsr-19367	4	34	-	-	PUNCT
blsr-19367	4	35	risk	risk	NOUN
blsr-19367	4	36	states	state	NOUN
blsr-19367	4	37	.	.	PUNCT
blsr-19367	5	1	consequently	consequently	ADV
blsr-19367	5	2	,	,	PUNCT
blsr-19367	5	3	public	public	ADJ
blsr-19367	5	4	policy	policy	NOUN
blsr-19367	5	5	has	have	AUX
blsr-19367	5	6	shifted	shift	VERB
blsr-19367	5	7	,	,	PUNCT
blsr-19367	5	8	leaving	leave	VERB
blsr-19367	5	9	homeowners	homeowner	NOUN
blsr-19367	5	10	in	in	ADP
blsr-19367	5	11	certain	certain	ADJ
blsr-19367	5	12	areas	area	NOUN
blsr-19367	5	13	to	to	PART
blsr-19367	5	14	choose	choose	VERB
blsr-19367	5	15	between	between	ADP
blsr-19367	5	16	two	two	NUM
blsr-19367	5	17	options	option	NOUN
blsr-19367	5	18	:	:	PUNCT
blsr-19367	5	19	insurers	insurer	NOUN
blsr-19367	5	20	of	of	ADP
blsr-19367	5	21	last	last	ADJ
blsr-19367	5	22	resort	resort	NOUN
blsr-19367	5	23	,	,	PUNCT
blsr-19367	5	24	such	such	ADJ
blsr-19367	5	25	as	as	ADP
blsr-19367	5	26	california	california	PROPN
blsr-19367	5	27	’s	’s	PART
blsr-19367	5	28	fair	fair	ADJ
blsr-19367	5	29	plan	plan	NOUN
blsr-19367	5	30	,	,	PUNCT
blsr-19367	5	31	or	or	CCONJ
blsr-19367	5	32	non	non	ADJ
blsr-19367	5	33	-	-	ADJ
blsr-19367	5	34	admitted	admit	VERB
blsr-19367	5	35	insurance	insurance	NOUN
blsr-19367	5	36	.	.	PUNCT
blsr-19367	6	1	adding	add	VERB
blsr-19367	6	2	to	to	ADP
blsr-19367	6	3	this	this	DET
blsr-19367	6	4	problem	problem	NOUN
blsr-19367	6	5	are	be	AUX
blsr-19367	6	6	the	the	DET
blsr-19367	6	7	economic	economic	ADJ
blsr-19367	6	8	implications	implication	NOUN
blsr-19367	6	9	,	,	PUNCT
blsr-19367	6	10	with	with	ADP
blsr-19367	6	11	several	several	ADJ
blsr-19367	6	12	experts	expert	NOUN
blsr-19367	6	13	citing	cite	VERB
blsr-19367	6	14	concerns	concern	NOUN
blsr-19367	6	15	that	that	SCONJ
blsr-19367	6	16	the	the	DET
blsr-19367	6	17	cascading	cascade	VERB
blsr-19367	6	18	effects	effect	NOUN
blsr-19367	6	19	could	could	AUX
blsr-19367	6	20	prove	prove	VERB
blsr-19367	6	21	to	to	PART
blsr-19367	6	22	be	be	AUX
blsr-19367	6	23	worse	bad	ADJ
blsr-19367	6	24	than	than	ADP
blsr-19367	6	25	the	the	DET
blsr-19367	6	26	2007/2008	2007/2008	NUM
blsr-19367	6	27	financial	financial	ADJ
blsr-19367	6	28	crisis	crisis	NOUN
blsr-19367	6	29	.	.	PUNCT
blsr-19367	7	1	further	far	ADV
blsr-19367	7	2	,	,	PUNCT
blsr-19367	7	3	there	there	PRON
blsr-19367	7	4	is	be	VERB
blsr-19367	7	5	the	the	DET
blsr-19367	7	6	legal	legal	ADJ
blsr-19367	7	7	aspect	aspect	NOUN
blsr-19367	7	8	,	,	PUNCT
blsr-19367	7	9	with	with	ADP
blsr-19367	7	10	legislation	legislation	NOUN
blsr-19367	7	11	,	,	PUNCT
blsr-19367	7	12	regulation	regulation	NOUN
blsr-19367	7	13	,	,	PUNCT
blsr-19367	7	14	and	and	CCONJ
blsr-19367	7	15	litigation	litigation	NOUN
blsr-19367	7	16	all	all	PRON
blsr-19367	7	17	playing	play	VERB
blsr-19367	7	18	a	a	DET
blsr-19367	7	19	role	role	NOUN
blsr-19367	7	20	.	.	PUNCT
blsr-19367	8	1	finally	finally	ADV
blsr-19367	8	2	,	,	PUNCT
blsr-19367	8	3	while	while	SCONJ
blsr-19367	8	4	a	a	DET
blsr-19367	8	5	variety	variety	NOUN
blsr-19367	8	6	of	of	ADP
blsr-19367	8	7	solutions	solution	NOUN
blsr-19367	8	8	have	have	AUX
blsr-19367	8	9	been	be	AUX
blsr-19367	8	10	proposed	propose	VERB
blsr-19367	8	11	to	to	PART
blsr-19367	8	12	address	address	VERB
blsr-19367	8	13	this	this	DET
blsr-19367	8	14	crisis	crisis	NOUN
blsr-19367	8	15	,	,	PUNCT
blsr-19367	8	16	none	none	NOUN
blsr-19367	8	17	have	have	AUX
blsr-19367	8	18	proven	prove	VERB
blsr-19367	8	19	completely	completely	ADV
blsr-19367	8	20	effective	effective	ADJ
blsr-19367	8	21	.	.	PUNCT
blsr-19367	9	1	thus	thus	ADV
blsr-19367	9	2	,	,	PUNCT
blsr-19367	9	3	to	to	PART
blsr-19367	9	4	prevent	prevent	VERB
blsr-19367	9	5	additional	additional	ADJ
blsr-19367	9	6	devastation	devastation	NOUN
blsr-19367	9	7	,	,	PUNCT
blsr-19367	9	8	the	the	DET
blsr-19367	9	9	paper	paper	NOUN
blsr-19367	9	10	offers	offer	VERB
blsr-19367	9	11	two	two	NUM
blsr-19367	9	12	recommendations	recommendation	NOUN
blsr-19367	9	13	on	on	ADP
blsr-19367	9	14	how	how	SCONJ
blsr-19367	9	15	society	society	NOUN
blsr-19367	9	16	should	should	AUX
blsr-19367	9	17	proceed	proceed	VERB
blsr-19367	9	18	.	.	PUNCT
blsr-19367	10	1	introduction	introduction	NOUN
blsr-19367	10	2	today	today	NOUN
blsr-19367	10	3	,	,	PUNCT
blsr-19367	10	4	severe	severe	ADJ
blsr-19367	10	5	climate	climate	NOUN
blsr-19367	10	6	shocks	shock	NOUN
blsr-19367	10	7	,	,	PUNCT
blsr-19367	10	8	including	include	VERB
blsr-19367	10	9	wildfires	wildfire	NOUN
blsr-19367	10	10	,	,	PUNCT
blsr-19367	10	11	hurricanes	hurricane	NOUN
blsr-19367	10	12	,	,	PUNCT
blsr-19367	10	13	and	and	CCONJ
blsr-19367	10	14	tornadoes	tornado	NOUN
blsr-19367	10	15	,	,	PUNCT
blsr-19367	10	16	are	be	AUX
blsr-19367	10	17	ravaging	ravage	VERB
blsr-19367	10	18	the	the	DET
blsr-19367	10	19	united	united	PROPN
blsr-19367	10	20	states	states	PROPN
blsr-19367	10	21	in	in	ADP
blsr-19367	10	22	unprecedented	unprecedented	ADJ
blsr-19367	10	23	numbers	number	NOUN
blsr-19367	10	24	,	,	PUNCT
blsr-19367	10	25	with	with	ADP
blsr-19367	10	26	states	state	NOUN
blsr-19367	10	27	like	like	ADP
blsr-19367	10	28	california	california	PROPN
blsr-19367	10	29	,	,	PUNCT
blsr-19367	10	30	florida	florida	PROPN
blsr-19367	10	31	,	,	PUNCT
blsr-19367	10	32	and	and	CCONJ
blsr-19367	10	33	louisiana	louisiana	PROPN
blsr-19367	10	34	bearing	bear	VERB
blsr-19367	10	35	the	the	DET
blsr-19367	10	36	brunt	brunt	NOUN
blsr-19367	10	37	of	of	ADP
blsr-19367	10	38	the	the	DET
blsr-19367	10	39	effects	effect	NOUN
blsr-19367	10	40	.	.	PUNCT
blsr-19367	11	1	according	accord	VERB
blsr-19367	11	2	to	to	ADP
blsr-19367	11	3	the	the	DET
blsr-19367	11	4	national	national	ADJ
blsr-19367	11	5	oceanic	oceanic	PROPN
blsr-19367	11	6	&	&	CCONJ
blsr-19367	11	7	atmospheric	atmospheric	PROPN
blsr-19367	11	8	administration	administration	NOUN
blsr-19367	11	9	,	,	PUNCT
blsr-19367	11	10	the	the	DET
blsr-19367	11	11	united	united	PROPN
blsr-19367	11	12	states	states	PROPN
blsr-19367	11	13	now	now	ADV
blsr-19367	11	14	averages	average	VERB
blsr-19367	11	15	twenty	twenty	NUM
blsr-19367	11	16	-	-	PUNCT
blsr-19367	11	17	three	three	NUM
blsr-19367	11	18	weather	weather	NOUN
blsr-19367	11	19	and	and	CCONJ
blsr-19367	11	20	climate	climate	NOUN
blsr-19367	11	21	disasters	disaster	NOUN
blsr-19367	11	22	that	that	PRON
blsr-19367	11	23	each	each	PRON
blsr-19367	11	24	exceed	exceed	VERB
blsr-19367	11	25	$	$	SYM
blsr-19367	11	26	1	1	NUM
blsr-19367	11	27	billion	billion	NUM
blsr-19367	11	28	in	in	ADP
blsr-19367	11	29	damages	damage	NOUN
blsr-19367	11	30	per	per	ADP
blsr-19367	11	31	year.58	year.58	NOUN
blsr-19367	11	32	in	in	ADP
blsr-19367	11	33	2024	2024	NUM
blsr-19367	11	34	alone	alone	ADV
blsr-19367	11	35	,	,	PUNCT
blsr-19367	11	36	there	there	PRON
blsr-19367	11	37	were	be	VERB
blsr-19367	11	38	twenty	twenty	NUM
blsr-19367	11	39	-	-	PUNCT
blsr-19367	11	40	seven	seven	NUM
blsr-19367	11	41	such	such	ADJ
blsr-19367	11	42	events	event	NOUN
blsr-19367	11	43	,	,	PUNCT
blsr-19367	11	44	just	just	ADV
blsr-19367	11	45	one	one	NUM
blsr-19367	11	46	shy	shy	ADJ
blsr-19367	11	47	of	of	ADP
blsr-19367	11	48	the	the	DET
blsr-19367	11	49	record	record	NOUN
blsr-19367	11	50	-	-	PUNCT
blsr-19367	11	51	setting	set	VERB
blsr-19367	11	52	twenty	twenty	NUM
blsr-19367	11	53	-	-	PUNCT
blsr-19367	11	54	eight	eight	NUM
blsr-19367	11	55	events	event	NOUN
blsr-19367	11	56	that	that	PRON
blsr-19367	11	57	took	take	VERB
blsr-19367	11	58	place	place	NOUN
blsr-19367	11	59	in	in	ADP
blsr-19367	11	60	2023	2023	NUM
blsr-19367	11	61	(	(	PUNCT
blsr-19367	11	62	exhibit	exhibit	VERB
blsr-19367	11	63	1).58	1).58	NUM
blsr-19367	11	64	examples	example	NOUN
blsr-19367	11	65	from	from	ADP
blsr-19367	11	66	2024	2024	NUM
blsr-19367	11	67	include	include	VERB
blsr-19367	11	68	hurricane	hurricane	NOUN
blsr-19367	11	69	helene	helene	NOUN
blsr-19367	11	70	,	,	PUNCT
blsr-19367	11	71	which	which	PRON
blsr-19367	11	72	struck	strike	VERB
blsr-19367	11	73	florida	florida	PROPN
blsr-19367	11	74	,	,	PUNCT
blsr-19367	11	75	georgia	georgia	PROPN
blsr-19367	11	76	,	,	PUNCT
blsr-19367	11	77	south	south	PROPN
blsr-19367	11	78	1	1	NUM
blsr-19367	11	79	julia	julia	PROPN
blsr-19367	11	80	kuhn	kuhn	PROPN
blsr-19367	11	81	is	be	AUX
blsr-19367	11	82	a	a	DET
blsr-19367	11	83	senior	senior	ADJ
blsr-19367	11	84	with	with	ADP
blsr-19367	11	85	dual	dual	ADJ
blsr-19367	11	86	concentrations	concentration	NOUN
blsr-19367	11	87	in	in	ADP
blsr-19367	11	88	finance	finance	NOUN
blsr-19367	11	89	and	and	CCONJ
blsr-19367	11	90	accounting	account	VERB
blsr-19367	11	91	for	for	ADP
blsr-19367	11	92	finance	finance	NOUN
blsr-19367	11	93	&	&	CCONJ
blsr-19367	11	94	consulting	consulting	NOUN
blsr-19367	11	95	.	.	PUNCT
blsr-19367	12	1	she	she	PRON
blsr-19367	12	2	will	will	AUX
blsr-19367	12	3	be	be	AUX
blsr-19367	12	4	graduating	graduate	VERB
blsr-19367	12	5	magna	magna	PROPN
blsr-19367	12	6	cum	cum	NOUN
blsr-19367	12	7	laude	laude	NOUN
blsr-19367	12	8	in	in	ADP
blsr-19367	12	9	may	may	PROPN
blsr-19367	12	10	and	and	CCONJ
blsr-19367	12	11	starting	start	VERB
blsr-19367	12	12	her	her	PRON
blsr-19367	12	13	career	career	NOUN
blsr-19367	12	14	at	at	ADP
blsr-19367	12	15	goldman	goldman	NOUN
blsr-19367	12	16	sachs	sachs	PROPN
blsr-19367	12	17	as	as	ADP
blsr-19367	12	18	an	an	DET
blsr-19367	12	19	asset	asset	NOUN
blsr-19367	12	20	management	management	NOUN
blsr-19367	12	21	equity	equity	NOUN
blsr-19367	12	22	analyst	analyst	NOUN
blsr-19367	12	23	.	.	PUNCT
blsr-19367	13	1	the	the	DET
blsr-19367	13	2	highlights	highlight	NOUN
blsr-19367	13	3	of	of	ADP
blsr-19367	13	4	her	her	PRON
blsr-19367	13	5	extracurricular	extracurricular	ADJ
blsr-19367	13	6	experiences	experience	NOUN
blsr-19367	13	7	at	at	ADP
blsr-19367	13	8	bc	bc	PROPN
blsr-19367	13	9	included	include	VERB
blsr-19367	13	10	project	project	NOUN
blsr-19367	13	11	sunshine	sunshine	NOUN
blsr-19367	13	12	,	,	PUNCT
blsr-19367	13	13	where	where	SCONJ
blsr-19367	13	14	she	she	PRON
blsr-19367	13	15	volunteered	volunteer	VERB
blsr-19367	13	16	at	at	ADP
blsr-19367	13	17	local	local	ADJ
blsr-19367	13	18	hospitals	hospital	NOUN
blsr-19367	13	19	to	to	PART
blsr-19367	13	20	serve	serve	VERB
blsr-19367	13	21	pediatric	pediatric	ADJ
blsr-19367	13	22	patients	patient	NOUN
blsr-19367	13	23	,	,	PUNCT
blsr-19367	13	24	as	as	ADV
blsr-19367	13	25	well	well	ADV
blsr-19367	13	26	as	as	ADP
blsr-19367	13	27	the	the	DET
blsr-19367	13	28	american	american	PROPN
blsr-19367	13	29	red	red	PROPN
blsr-19367	13	30	cross	cross	PROPN
blsr-19367	13	31	,	,	PUNCT
blsr-19367	13	32	where	where	SCONJ
blsr-19367	13	33	she	she	PRON
blsr-19367	13	34	held	hold	VERB
blsr-19367	13	35	two	two	NUM
blsr-19367	13	36	e	e	NOUN
blsr-19367	13	37	-	-	NOUN
blsr-19367	13	38	board	board	NOUN
blsr-19367	13	39	positions	position	NOUN
blsr-19367	13	40	and	and	CCONJ
blsr-19367	13	41	organized	organize	VERB
blsr-19367	13	42	a	a	DET
blsr-19367	13	43	trip	trip	NOUN
blsr-19367	13	44	to	to	ADP
blsr-19367	13	45	the	the	DET
blsr-19367	13	46	boston	boston	PROPN
blsr-19367	13	47	food	food	PROPN
blsr-19367	13	48	pantry	pantry	PROPN
blsr-19367	13	49	.	.	PUNCT
blsr-19367	14	1	outside	outside	ADP
blsr-19367	14	2	of	of	ADP
blsr-19367	14	3	academics	academic	NOUN
blsr-19367	14	4	and	and	CCONJ
blsr-19367	14	5	volunteering	volunteering	NOUN
blsr-19367	14	6	,	,	PUNCT
blsr-19367	14	7	her	her	PRON
blsr-19367	14	8	interests	interest	NOUN
blsr-19367	14	9	include	include	VERB
blsr-19367	14	10	cooking	cooking	NOUN
blsr-19367	14	11	,	,	PUNCT
blsr-19367	14	12	cycling	cycling	NOUN
blsr-19367	14	13	,	,	PUNCT
blsr-19367	14	14	and	and	CCONJ
blsr-19367	14	15	reading	reading	NOUN
blsr-19367	14	16	.	.	PUNCT
blsr-19367	15	1	27	27	NUM
blsr-19367	15	2	carolina	carolina	PROPN
blsr-19367	15	3	,	,	PUNCT
blsr-19367	15	4	north	north	PROPN
blsr-19367	15	5	carolina	carolina	PROPN
blsr-19367	15	6	,	,	PUNCT
blsr-19367	15	7	and	and	CCONJ
blsr-19367	15	8	tennessee	tennessee	PROPN
blsr-19367	15	9	,	,	PUNCT
blsr-19367	15	10	and	and	CCONJ
blsr-19367	15	11	caused	cause	VERB
blsr-19367	15	12	approximately	approximately	ADV
blsr-19367	15	13	$	$	SYM
blsr-19367	15	14	79.6	79.6	NUM
blsr-19367	15	15	billion	billion	NUM
blsr-19367	15	16	in	in	ADP
blsr-19367	15	17	damages	damage	NOUN
blsr-19367	15	18	,	,	PUNCT
blsr-19367	15	19	as	as	ADV
blsr-19367	15	20	well	well	ADV
blsr-19367	15	21	as	as	ADP
blsr-19367	15	22	hurricane	hurricane	PROPN
blsr-19367	15	23	milton	milton	PROPN
blsr-19367	15	24	,	,	PUNCT
blsr-19367	15	25	which	which	PRON
blsr-19367	15	26	made	make	VERB
blsr-19367	15	27	landfall	landfall	NOUN
blsr-19367	15	28	on	on	ADP
blsr-19367	15	29	florida	florida	PROPN
blsr-19367	15	30	and	and	CCONJ
blsr-19367	15	31	resulted	result	VERB
blsr-19367	15	32	in	in	ADP
blsr-19367	15	33	an	an	DET
blsr-19367	15	34	estimated	estimate	VERB
blsr-19367	15	35	$	$	SYM
blsr-19367	15	36	34.3	34.3	NUM
blsr-19367	15	37	billion	billion	NUM
blsr-19367	15	38	in	in	ADP
blsr-19367	15	39	damages.52,58	damages.52,58	NOUN
blsr-19367	15	40	earlier	early	ADV
blsr-19367	15	41	this	this	DET
blsr-19367	15	42	year	year	NOUN
blsr-19367	15	43	,	,	PUNCT
blsr-19367	15	44	the	the	DET
blsr-19367	15	45	los	los	PROPN
blsr-19367	15	46	angeles	angeles	PROPN
blsr-19367	15	47	wildfires	wildfire	VERB
blsr-19367	15	48	,	,	PUNCT
blsr-19367	15	49	which	which	PRON
blsr-19367	15	50	include	include	VERB
blsr-19367	15	51	the	the	DET
blsr-19367	15	52	palisades	palisades	PROPN
blsr-19367	15	53	fire	fire	NOUN
blsr-19367	15	54	and	and	CCONJ
blsr-19367	15	55	the	the	DET
blsr-19367	15	56	eaton	eaton	PROPN
blsr-19367	15	57	fire	fire	NOUN
blsr-19367	15	58	,	,	PUNCT
blsr-19367	15	59	devastated	devastate	VERB
blsr-19367	15	60	california.32	california.32	NOUN
blsr-19367	15	61	damages	damage	NOUN
blsr-19367	15	62	are	be	AUX
blsr-19367	15	63	expected	expect	VERB
blsr-19367	15	64	to	to	PART
blsr-19367	15	65	cost	cost	VERB
blsr-19367	15	66	between	between	ADP
blsr-19367	15	67	$	$	SYM
blsr-19367	15	68	28	28	NUM
blsr-19367	15	69	billion	billion	NUM
blsr-19367	15	70	and	and	CCONJ
blsr-19367	15	71	$	$	SYM
blsr-19367	15	72	53.8	53.8	NUM
blsr-19367	15	73	billion.32	billion.32	NOUN
blsr-19367	15	74	this	this	PRON
blsr-19367	15	75	can	can	AUX
blsr-19367	15	76	all	all	PRON
blsr-19367	15	77	be	be	AUX
blsr-19367	15	78	compared	compare	VERB
blsr-19367	15	79	to	to	ADP
blsr-19367	15	80	the	the	DET
blsr-19367	15	81	1980s	1980	NOUN
blsr-19367	15	82	,	,	PUNCT
blsr-19367	15	83	where	where	SCONJ
blsr-19367	15	84	the	the	DET
blsr-19367	15	85	united	united	PROPN
blsr-19367	15	86	states	states	PROPN
blsr-19367	15	87	only	only	ADV
blsr-19367	15	88	averaged	average	VERB
blsr-19367	15	89	three	three	NUM
blsr-19367	15	90	climate	climate	NOUN
blsr-19367	15	91	disasters	disaster	NOUN
blsr-19367	15	92	that	that	PRON
blsr-19367	15	93	exceeded	exceed	VERB
blsr-19367	15	94	$	$	SYM
blsr-19367	15	95	1	1	NUM
blsr-19367	15	96	billion	billion	NUM
blsr-19367	15	97	throughout	throughout	ADP
blsr-19367	15	98	the	the	DET
blsr-19367	15	99	entire	entire	ADJ
blsr-19367	15	100	decade.58	decade.58	NOUN
blsr-19367	15	101	the	the	DET
blsr-19367	15	102	problem	problem	NOUN
blsr-19367	15	103	indeed	indeed	ADV
blsr-19367	15	104	,	,	PUNCT
blsr-19367	15	105	one	one	NUM
blsr-19367	15	106	of	of	ADP
blsr-19367	15	107	the	the	DET
blsr-19367	15	108	most	most	ADV
blsr-19367	15	109	notable	notable	ADJ
blsr-19367	15	110	effects	effect	NOUN
blsr-19367	15	111	of	of	ADP
blsr-19367	15	112	these	these	DET
blsr-19367	15	113	climate	climate	NOUN
blsr-19367	15	114	shocks	shock	NOUN
blsr-19367	15	115	can	can	AUX
blsr-19367	15	116	be	be	AUX
blsr-19367	15	117	seen	see	VERB
blsr-19367	15	118	in	in	ADP
blsr-19367	15	119	the	the	DET
blsr-19367	15	120	market	market	NOUN
blsr-19367	15	121	for	for	ADP
blsr-19367	15	122	homeowners	homeowner	NOUN
blsr-19367	15	123	'	'	PART
blsr-19367	15	124	insurance	insurance	NOUN
blsr-19367	15	125	.	.	PUNCT
blsr-19367	16	1	as	as	ADP
blsr-19367	16	2	of	of	ADP
blsr-19367	16	3	the	the	DET
blsr-19367	16	4	end	end	NOUN
blsr-19367	16	5	of	of	ADP
blsr-19367	16	6	2024	2024	NUM
blsr-19367	16	7	,	,	PUNCT
blsr-19367	16	8	insured	insure	VERB
blsr-19367	16	9	losses	loss	NOUN
blsr-19367	16	10	from	from	ADP
blsr-19367	16	11	climate	climate	NOUN
blsr-19367	16	12	-	-	PUNCT
blsr-19367	16	13	related	relate	VERB
blsr-19367	16	14	disasters	disaster	NOUN
blsr-19367	16	15	in	in	ADP
blsr-19367	16	16	the	the	DET
blsr-19367	16	17	united	united	PROPN
blsr-19367	16	18	states	states	PROPN
blsr-19367	16	19	hit	hit	VERB
blsr-19367	16	20	$	$	SYM
blsr-19367	16	21	112.7	112.7	NUM
blsr-19367	16	22	billion	billion	NUM
blsr-19367	16	23	,	,	PUNCT
blsr-19367	16	24	representing	represent	VERB
blsr-19367	16	25	an	an	DET
blsr-19367	16	26	increase	increase	NOUN
blsr-19367	16	27	of	of	ADP
blsr-19367	16	28	36	36	NUM
blsr-19367	16	29	%	%	NOUN
blsr-19367	16	30	from	from	ADP
blsr-19367	16	31	the	the	DET
blsr-19367	16	32	year	year	NOUN
blsr-19367	16	33	prior.21	prior.21	NOUN
blsr-19367	16	34	consequently	consequently	ADV
blsr-19367	16	35	,	,	PUNCT
blsr-19367	16	36	in	in	ADP
blsr-19367	16	37	disaster	disaster	NOUN
blsr-19367	16	38	-	-	PUNCT
blsr-19367	16	39	prone	prone	ADJ
blsr-19367	16	40	areas	area	NOUN
blsr-19367	16	41	of	of	ADP
blsr-19367	16	42	the	the	DET
blsr-19367	16	43	country	country	NOUN
blsr-19367	16	44	,	,	PUNCT
blsr-19367	16	45	specifically	specifically	ADV
blsr-19367	16	46	coastal	coastal	ADJ
blsr-19367	16	47	states	state	NOUN
blsr-19367	16	48	and/or	and/or	CCONJ
blsr-19367	16	49	states	state	VERB
blsr-19367	16	50	at	at	ADP
blsr-19367	16	51	high	high	ADJ
blsr-19367	16	52	risk	risk	NOUN
blsr-19367	16	53	of	of	ADP
blsr-19367	16	54	wildfires	wildfire	NOUN
blsr-19367	16	55	,	,	PUNCT
blsr-19367	16	56	traditional	traditional	ADJ
blsr-19367	16	57	insurers	insurer	NOUN
blsr-19367	16	58	have	have	AUX
blsr-19367	16	59	significantly	significantly	ADV
blsr-19367	16	60	raised	raise	VERB
blsr-19367	16	61	premiums	premium	NOUN
blsr-19367	16	62	or	or	CCONJ
blsr-19367	16	63	dropped	drop	VERB
blsr-19367	16	64	(	(	PUNCT
blsr-19367	16	65	i.e.	i.e.	X
blsr-19367	16	66	,	,	PUNCT
blsr-19367	16	67	not	not	PART
blsr-19367	16	68	renewed	renew	VERB
blsr-19367	16	69	)	)	PUNCT
blsr-19367	16	70	policies.63	policies.63	NOUN
blsr-19367	16	71	in	in	ADP
blsr-19367	16	72	florida	florida	PROPN
blsr-19367	16	73	,	,	PUNCT
blsr-19367	16	74	between	between	ADP
blsr-19367	16	75	2020	2020	NUM
blsr-19367	16	76	and	and	CCONJ
blsr-19367	16	77	2023	2023	NUM
blsr-19367	16	78	,	,	PUNCT
blsr-19367	16	79	average	average	ADJ
blsr-19367	16	80	premiums	premium	NOUN
blsr-19367	16	81	in	in	ADP
blsr-19367	16	82	the	the	DET
blsr-19367	16	83	state	state	NOUN
blsr-19367	16	84	increased	increase	VERB
blsr-19367	16	85	by	by	ADP
blsr-19367	16	86	40	40	NUM
blsr-19367	16	87	%	%	NOUN
blsr-19367	16	88	(	(	PUNCT
blsr-19367	16	89	adjusted	adjust	VERB
blsr-19367	16	90	for	for	ADP
blsr-19367	16	91	inflation	inflation	NOUN
blsr-19367	16	92	)	)	PUNCT
blsr-19367	16	93	to	to	ADP
blsr-19367	16	94	$	$	SYM
blsr-19367	16	95	3,300.12	3,300.12	NUM
blsr-19367	16	96	.	.	PUNCT
blsr-19367	17	1	during	during	ADP
blsr-19367	17	2	a	a	DET
blsr-19367	17	3	similar	similar	ADJ
blsr-19367	17	4	time	time	NOUN
blsr-19367	17	5	frame	frame	NOUN
blsr-19367	17	6	(	(	PUNCT
blsr-19367	17	7	2018	2018	NUM
blsr-19367	17	8	to	to	ADP
blsr-19367	17	9	2023	2023	NUM
blsr-19367	17	10	)	)	PUNCT
blsr-19367	17	11	,	,	PUNCT
blsr-19367	17	12	florida	florida	PROPN
blsr-19367	17	13	’s	’s	PART
blsr-19367	17	14	non	non	ADJ
blsr-19367	17	15	-	-	ADJ
blsr-19367	17	16	renewal	renewal	ADJ
blsr-19367	17	17	rate	rate	NOUN
blsr-19367	17	18	increased	increase	VERB
blsr-19367	17	19	by	by	ADP
blsr-19367	17	20	280%.63	280%.63	NUM
blsr-19367	17	21	this	this	PRON
blsr-19367	17	22	is	be	AUX
blsr-19367	17	23	not	not	PART
blsr-19367	17	24	coincidental	coincidental	ADJ
blsr-19367	17	25	;	;	PUNCT
blsr-19367	17	26	according	accord	VERB
blsr-19367	17	27	to	to	ADP
blsr-19367	17	28	a	a	DET
blsr-19367	17	29	report	report	NOUN
blsr-19367	17	30	published	publish	VERB
blsr-19367	17	31	by	by	ADP
blsr-19367	17	32	the	the	DET
blsr-19367	17	33	senate	senate	PROPN
blsr-19367	17	34	budget	budget	PROPN
blsr-19367	17	35	committee	committee	PROPN
blsr-19367	17	36	in	in	ADP
blsr-19367	17	37	december	december	PROPN
blsr-19367	17	38	2024	2024	NUM
blsr-19367	17	39	,	,	PUNCT
blsr-19367	17	40	there	there	PRON
blsr-19367	17	41	is	be	VERB
blsr-19367	17	42	a	a	DET
blsr-19367	17	43	positive	positive	ADJ
blsr-19367	17	44	correlation	correlation	NOUN
blsr-19367	17	45	between	between	ADP
blsr-19367	17	46	premiums	premium	NOUN
blsr-19367	17	47	and	and	CCONJ
blsr-19367	17	48	non	non	ADJ
blsr-19367	17	49	-	-	ADJ
blsr-19367	17	50	renewal	renewal	ADJ
blsr-19367	17	51	rates	rate	NOUN
blsr-19367	17	52	(	(	PUNCT
blsr-19367	17	53	exhibit	exhibit	VERB
blsr-19367	17	54	2).63	2).63	NUM
blsr-19367	17	55	in	in	ADP
blsr-19367	17	56	other	other	ADJ
blsr-19367	17	57	words	word	NOUN
blsr-19367	17	58	,	,	PUNCT
blsr-19367	17	59	areas	area	NOUN
blsr-19367	17	60	with	with	ADP
blsr-19367	17	61	higher	high	ADJ
blsr-19367	17	62	premiums	premium	NOUN
blsr-19367	17	63	are	be	AUX
blsr-19367	17	64	more	more	ADV
blsr-19367	17	65	likely	likely	ADJ
blsr-19367	17	66	to	to	PART
blsr-19367	17	67	experience	experience	VERB
blsr-19367	17	68	higher	high	ADJ
blsr-19367	17	69	non	non	ADJ
blsr-19367	17	70	-	-	ADJ
blsr-19367	17	71	renewal	renewal	ADJ
blsr-19367	17	72	rates.63	rates.63	ADP
blsr-19367	17	73	it	it	PRON
blsr-19367	17	74	’s	’	VERB
blsr-19367	17	75	important	important	ADJ
blsr-19367	17	76	to	to	PART
blsr-19367	17	77	note	note	VERB
blsr-19367	17	78	,	,	PUNCT
blsr-19367	17	79	however	however	ADV
blsr-19367	17	80	,	,	PUNCT
blsr-19367	17	81	that	that	SCONJ
blsr-19367	17	82	such	such	ADJ
blsr-19367	17	83	non	non	ADJ
blsr-19367	17	84	-	-	ADJ
blsr-19367	17	85	renewal	renewal	ADJ
blsr-19367	17	86	rate	rate	NOUN
blsr-19367	17	87	increases	increase	NOUN
blsr-19367	17	88	are	be	AUX
blsr-19367	17	89	not	not	PART
blsr-19367	17	90	limited	limit	VERB
blsr-19367	17	91	to	to	ADP
blsr-19367	17	92	florida	florida	PROPN
blsr-19367	17	93	.	.	PUNCT
blsr-19367	18	1	as	as	SCONJ
blsr-19367	18	2	highlighted	highlight	VERB
blsr-19367	18	3	in	in	ADP
blsr-19367	18	4	exhibits	exhibit	NOUN
blsr-19367	18	5	3	3	NUM
blsr-19367	18	6	and	and	CCONJ
blsr-19367	18	7	4	4	NUM
blsr-19367	18	8	,	,	PUNCT
blsr-19367	18	9	between	between	ADP
blsr-19367	18	10	2018	2018	NUM
blsr-19367	18	11	and	and	CCONJ
blsr-19367	18	12	2023	2023	NUM
blsr-19367	18	13	,	,	PUNCT
blsr-19367	18	14	non	non	ADJ
blsr-19367	18	15	-	-	ADJ
blsr-19367	18	16	renewal	renewal	ADJ
blsr-19367	18	17	rates	rate	NOUN
blsr-19367	18	18	skyrocketed	skyrocket	VERB
blsr-19367	18	19	in	in	ADP
blsr-19367	18	20	states	state	NOUN
blsr-19367	18	21	such	such	ADJ
blsr-19367	18	22	as	as	ADP
blsr-19367	18	23	louisiana	louisiana	PROPN
blsr-19367	18	24	,	,	PUNCT
blsr-19367	18	25	hawaii	hawaii	PROPN
blsr-19367	18	26	,	,	PUNCT
blsr-19367	18	27	south	south	PROPN
blsr-19367	18	28	carolina	carolina	PROPN
blsr-19367	18	29	,	,	PUNCT
blsr-19367	18	30	and	and	CCONJ
blsr-19367	18	31	oklahoma.63	oklahoma.63	INTJ
blsr-19367	18	32	these	these	DET
blsr-19367	18	33	states	state	NOUN
blsr-19367	18	34	,	,	PUNCT
blsr-19367	18	35	perhaps	perhaps	ADV
blsr-19367	18	36	not	not	PART
blsr-19367	18	37	surprisingly	surprisingly	ADV
blsr-19367	18	38	,	,	PUNCT
blsr-19367	18	39	have	have	VERB
blsr-19367	18	40	higher	high	ADJ
blsr-19367	18	41	climate	climate	NOUN
blsr-19367	18	42	risk	risk	NOUN
blsr-19367	18	43	,	,	PUNCT
blsr-19367	18	44	another	another	DET
blsr-19367	18	45	factor	factor	NOUN
blsr-19367	18	46	that	that	PRON
blsr-19367	18	47	correlates	correlate	VERB
blsr-19367	18	48	with	with	ADP
blsr-19367	18	49	higher	high	ADJ
blsr-19367	18	50	non	non	ADJ
blsr-19367	18	51	-	-	ADJ
blsr-19367	18	52	renewal	renewal	ADJ
blsr-19367	18	53	rates.62	rates.62	NOUN
blsr-19367	18	54	zooming	zoom	VERB
blsr-19367	18	55	in	in	ADP
blsr-19367	18	56	on	on	ADP
blsr-19367	18	57	the	the	DET
blsr-19367	18	58	county	county	NOUN
blsr-19367	18	59	level	level	NOUN
blsr-19367	18	60	,	,	PUNCT
blsr-19367	18	61	over	over	ADP
blsr-19367	18	62	200	200	NUM
blsr-19367	18	63	saw	see	VERB
blsr-19367	18	64	their	their	PRON
blsr-19367	18	65	non	non	ADJ
blsr-19367	18	66	-	-	ADJ
blsr-19367	18	67	renewal	renewal	ADJ
blsr-19367	18	68	rate	rate	NOUN
blsr-19367	18	69	triple	triple	ADJ
blsr-19367	18	70	28	28	NUM
blsr-19367	18	71	or	or	CCONJ
blsr-19367	18	72	more	more	ADJ
blsr-19367	18	73	between	between	ADP
blsr-19367	18	74	2018	2018	NUM
blsr-19367	18	75	and	and	CCONJ
blsr-19367	18	76	2023	2023	NUM
blsr-19367	18	77	,	,	PUNCT
blsr-19367	18	78	with	with	ADP
blsr-19367	18	79	some	some	DET
blsr-19367	18	80	experiencing	experience	VERB
blsr-19367	18	81	increases	increase	NOUN
blsr-19367	18	82	larger	large	ADJ
blsr-19367	18	83	than	than	ADP
blsr-19367	18	84	500	500	NUM
blsr-19367	18	85	%	%	NOUN
blsr-19367	18	86	(	(	PUNCT
blsr-19367	18	87	exhibit	exhibit	VERB
blsr-19367	18	88	5).25,63	5).25,63	NUM
blsr-19367	18	89	to	to	PART
blsr-19367	18	90	highlight	highlight	VERB
blsr-19367	18	91	specific	specific	ADJ
blsr-19367	18	92	examples	example	NOUN
blsr-19367	18	93	of	of	ADP
blsr-19367	18	94	non	non	NOUN
blsr-19367	18	95	-	-	NOUN
blsr-19367	18	96	renewals	renewal	NOUN
blsr-19367	18	97	,	,	PUNCT
blsr-19367	18	98	one	one	PRON
blsr-19367	18	99	can	can	AUX
blsr-19367	18	100	examine	examine	VERB
blsr-19367	18	101	the	the	DET
blsr-19367	18	102	insurance	insurance	NOUN
blsr-19367	18	103	market	market	NOUN
blsr-19367	18	104	in	in	ADP
blsr-19367	18	105	california	california	PROPN
blsr-19367	18	106	and	and	CCONJ
blsr-19367	18	107	louisiana	louisiana	PROPN
blsr-19367	18	108	.	.	PUNCT
blsr-19367	19	1	in	in	ADP
blsr-19367	19	2	2024	2024	NUM
blsr-19367	19	3	,	,	PUNCT
blsr-19367	19	4	less	less	ADJ
blsr-19367	19	5	than	than	ADP
blsr-19367	19	6	one	one	NUM
blsr-19367	19	7	year	year	NOUN
blsr-19367	19	8	after	after	ADP
blsr-19367	19	9	state	state	NOUN
blsr-19367	19	10	farm	farm	NOUN
blsr-19367	19	11	,	,	PUNCT
blsr-19367	19	12	california	california	PROPN
blsr-19367	19	13	’s	’s	PART
blsr-19367	19	14	largest	large	ADJ
blsr-19367	19	15	property	property	NOUN
blsr-19367	19	16	insurer	insurer	NOUN
blsr-19367	19	17	,	,	PUNCT
blsr-19367	19	18	stopped	stop	VERB
blsr-19367	19	19	accepting	accept	VERB
blsr-19367	19	20	new	new	ADJ
blsr-19367	19	21	applications	application	NOUN
blsr-19367	19	22	for	for	ADP
blsr-19367	19	23	homeowners	homeowner	NOUN
blsr-19367	19	24	insurance	insurance	NOUN
blsr-19367	19	25	in	in	ADP
blsr-19367	19	26	the	the	DET
blsr-19367	19	27	state	state	NOUN
blsr-19367	19	28	,	,	PUNCT
blsr-19367	19	29	the	the	DET
blsr-19367	19	30	company	company	NOUN
blsr-19367	19	31	ceased	cease	VERB
blsr-19367	19	32	to	to	PART
blsr-19367	19	33	renew	renew	VERB
blsr-19367	19	34	30,000	30,000	NUM
blsr-19367	19	35	policies.8,53	policies.8,53	PROPN
blsr-19367	19	36	nationwide	nationwide	ADJ
blsr-19367	19	37	,	,	PUNCT
blsr-19367	19	38	trans	trans	PROPN
blsr-19367	19	39	pacific	pacific	PROPN
blsr-19367	19	40	,	,	PUNCT
blsr-19367	19	41	and	and	CCONJ
blsr-19367	19	42	the	the	DET
blsr-19367	19	43	hartford	hartford	NOUN
blsr-19367	19	44	,	,	PUNCT
blsr-19367	19	45	among	among	ADP
blsr-19367	19	46	others	other	NOUN
blsr-19367	19	47	,	,	PUNCT
blsr-19367	19	48	followed	follow	VERB
blsr-19367	19	49	suit	suit	NOUN
blsr-19367	19	50	.	.	PUNCT
blsr-19367	20	1	17	17	NUM
blsr-19367	20	2	regarding	regard	VERB
blsr-19367	20	3	louisiana	louisiana	PROPN
blsr-19367	20	4	,	,	PUNCT
blsr-19367	20	5	between	between	ADP
blsr-19367	20	6	2021	2021	NUM
blsr-19367	20	7	and	and	CCONJ
blsr-19367	20	8	2023	2023	NUM
blsr-19367	20	9	,	,	PUNCT
blsr-19367	20	10	at	at	ADP
blsr-19367	20	11	least	least	ADJ
blsr-19367	20	12	twenty	twenty	NUM
blsr-19367	20	13	insurance	insurance	NOUN
blsr-19367	20	14	companies	company	NOUN
blsr-19367	20	15	exited	exit	VERB
blsr-19367	20	16	the	the	DET
blsr-19367	20	17	state	state	NOUN
blsr-19367	20	18	’s	’s	PART
blsr-19367	20	19	market.63	market.63	NOUN
blsr-19367	20	20	all	all	PRON
blsr-19367	20	21	of	of	ADP
blsr-19367	20	22	this	this	PRON
blsr-19367	20	23	taken	take	VERB
blsr-19367	20	24	together	together	ADV
blsr-19367	20	25	highlights	highlight	VERB
blsr-19367	20	26	a	a	DET
blsr-19367	20	27	harsh	harsh	ADJ
blsr-19367	20	28	reality	reality	NOUN
blsr-19367	20	29	:	:	PUNCT
blsr-19367	20	30	as	as	ADP
blsr-19367	20	31	a	a	DET
blsr-19367	20	32	result	result	NOUN
blsr-19367	20	33	of	of	ADP
blsr-19367	20	34	climate	climate	NOUN
blsr-19367	20	35	shocks	shock	NOUN
blsr-19367	20	36	,	,	PUNCT
blsr-19367	20	37	the	the	DET
blsr-19367	20	38	market	market	NOUN
blsr-19367	20	39	for	for	ADP
blsr-19367	20	40	homeowners	homeowner	NOUN
blsr-19367	20	41	'	'	PART
blsr-19367	20	42	insurance	insurance	NOUN
blsr-19367	20	43	in	in	ADP
blsr-19367	20	44	high	high	ADJ
blsr-19367	20	45	-	-	PUNCT
blsr-19367	20	46	risk	risk	NOUN
blsr-19367	20	47	areas	area	NOUN
blsr-19367	20	48	is	be	AUX
blsr-19367	20	49	breaking	break	VERB
blsr-19367	20	50	down	down	ADP
blsr-19367	20	51	,	,	PUNCT
blsr-19367	20	52	leaving	leave	VERB
blsr-19367	20	53	many	many	ADJ
blsr-19367	20	54	in	in	ADP
blsr-19367	20	55	the	the	DET
blsr-19367	20	56	dust	dust	NOUN
blsr-19367	20	57	.	.	PUNCT
blsr-19367	21	1	unfortunately	unfortunately	ADV
blsr-19367	21	2	,	,	PUNCT
blsr-19367	21	3	however	however	ADV
blsr-19367	21	4	,	,	PUNCT
blsr-19367	21	5	the	the	DET
blsr-19367	21	6	effects	effect	NOUN
blsr-19367	21	7	do	do	AUX
blsr-19367	21	8	not	not	PART
blsr-19367	21	9	stop	stop	VERB
blsr-19367	21	10	here	here	ADV
blsr-19367	21	11	.	.	PUNCT
blsr-19367	22	1	instead	instead	ADV
blsr-19367	22	2	,	,	PUNCT
blsr-19367	22	3	they	they	PRON
blsr-19367	22	4	extend	extend	VERB
blsr-19367	22	5	more	more	ADV
blsr-19367	22	6	broadly	broadly	ADV
blsr-19367	22	7	to	to	ADP
blsr-19367	22	8	public	public	ADJ
blsr-19367	22	9	policy	policy	NOUN
blsr-19367	22	10	,	,	PUNCT
blsr-19367	22	11	the	the	DET
blsr-19367	22	12	economy	economy	NOUN
blsr-19367	22	13	,	,	PUNCT
blsr-19367	22	14	and	and	CCONJ
blsr-19367	22	15	the	the	DET
blsr-19367	22	16	legal	legal	ADJ
blsr-19367	22	17	industry	industry	NOUN
blsr-19367	22	18	.	.	PUNCT
blsr-19367	23	1	history	history	NOUN
blsr-19367	23	2	of	of	ADP
blsr-19367	23	3	homeowners	homeowner	NOUN
blsr-19367	23	4	insurance	insurance	NOUN
blsr-19367	23	5	before	before	ADP
blsr-19367	23	6	diving	diving	NOUN
blsr-19367	23	7	into	into	ADP
blsr-19367	23	8	the	the	DET
blsr-19367	23	9	effects	effect	NOUN
blsr-19367	23	10	of	of	ADP
blsr-19367	23	11	premium	premium	NOUN
blsr-19367	23	12	increases	increase	NOUN
blsr-19367	23	13	and	and	CCONJ
blsr-19367	23	14	higher	high	ADJ
blsr-19367	23	15	non	non	ADJ
blsr-19367	23	16	-	-	ADJ
blsr-19367	23	17	renewal	renewal	ADJ
blsr-19367	23	18	rates	rate	NOUN
blsr-19367	23	19	on	on	ADP
blsr-19367	23	20	public	public	ADJ
blsr-19367	23	21	policy	policy	NOUN
blsr-19367	23	22	,	,	PUNCT
blsr-19367	23	23	the	the	DET
blsr-19367	23	24	economy	economy	NOUN
blsr-19367	23	25	,	,	PUNCT
blsr-19367	23	26	and	and	CCONJ
blsr-19367	23	27	the	the	DET
blsr-19367	23	28	legal	legal	ADJ
blsr-19367	23	29	industry	industry	NOUN
blsr-19367	23	30	,	,	PUNCT
blsr-19367	23	31	it	it	PRON
blsr-19367	23	32	is	be	AUX
blsr-19367	23	33	important	important	ADJ
blsr-19367	23	34	to	to	PART
blsr-19367	23	35	understand	understand	VERB
blsr-19367	23	36	the	the	DET
blsr-19367	23	37	background	background	NOUN
blsr-19367	23	38	behind	behind	ADP
blsr-19367	23	39	homeowners	homeowner	NOUN
blsr-19367	23	40	insurance	insurance	NOUN
blsr-19367	23	41	,	,	PUNCT
blsr-19367	23	42	including	include	VERB
blsr-19367	23	43	when	when	SCONJ
blsr-19367	23	44	and	and	CCONJ
blsr-19367	23	45	why	why	SCONJ
blsr-19367	23	46	it	it	PRON
blsr-19367	23	47	was	be	AUX
blsr-19367	23	48	created	create	VERB
blsr-19367	23	49	,	,	PUNCT
blsr-19367	23	50	how	how	SCONJ
blsr-19367	23	51	it	it	PRON
blsr-19367	23	52	is	be	AUX
blsr-19367	23	53	regulated	regulate	VERB
blsr-19367	23	54	,	,	PUNCT
blsr-19367	23	55	and	and	CCONJ
blsr-19367	23	56	how	how	SCONJ
blsr-19367	23	57	it	it	PRON
blsr-19367	23	58	has	have	AUX
blsr-19367	23	59	evolved	evolve	VERB
blsr-19367	23	60	.	.	PUNCT
blsr-19367	24	1	creation	creation	NOUN
blsr-19367	24	2	the	the	DET
blsr-19367	24	3	first	first	ADJ
blsr-19367	24	4	homeowners	homeowner	NOUN
blsr-19367	24	5	insurance	insurance	NOUN
blsr-19367	24	6	policy	policy	NOUN
blsr-19367	24	7	was	be	AUX
blsr-19367	24	8	introduced	introduce	VERB
blsr-19367	24	9	in	in	ADP
blsr-19367	24	10	september	september	PROPN
blsr-19367	24	11	of	of	ADP
blsr-19367	24	12	1950	1950	NUM
blsr-19367	24	13	by	by	ADP
blsr-19367	24	14	the	the	DET
blsr-19367	24	15	insurance	insurance	NOUN
blsr-19367	24	16	company	company	NOUN
blsr-19367	24	17	of	of	ADP
blsr-19367	24	18	north	north	PROPN
blsr-19367	24	19	america	america	PROPN
blsr-19367	24	20	in	in	ADP
blsr-19367	24	21	response	response	NOUN
blsr-19367	24	22	to	to	ADP
blsr-19367	24	23	the	the	DET
blsr-19367	24	24	post	post	ADJ
blsr-19367	24	25	-	-	ADJ
blsr-19367	24	26	wwii	wwii	ADJ
blsr-19367	24	27	housing	housing	NOUN
blsr-19367	24	28	boom.16,31	boom.16,31	NOUN
blsr-19367	24	29	this	this	DET
blsr-19367	24	30	policy	policy	NOUN
blsr-19367	24	31	,	,	PUNCT
blsr-19367	24	32	unlike	unlike	ADP
blsr-19367	24	33	previous	previous	ADJ
blsr-19367	24	34	ones	one	NOUN
blsr-19367	24	35	,	,	PUNCT
blsr-19367	24	36	offered	offer	VERB
blsr-19367	24	37	a	a	DET
blsr-19367	24	38	package	package	NOUN
blsr-19367	24	39	that	that	PRON
blsr-19367	24	40	covered	cover	VERB
blsr-19367	24	41	homes	home	NOUN
blsr-19367	24	42	against	against	ADP
blsr-19367	24	43	losses	loss	NOUN
blsr-19367	24	44	caused	cause	VERB
blsr-19367	24	45	by	by	ADP
blsr-19367	24	46	fire	fire	NOUN
blsr-19367	24	47	,	,	PUNCT
blsr-19367	24	48	smoke	smoke	NOUN
blsr-19367	24	49	,	,	PUNCT
blsr-19367	24	50	lightning	lightning	NOUN
blsr-19367	24	51	,	,	PUNCT
blsr-19367	24	52	wind	wind	NOUN
blsr-19367	24	53	,	,	PUNCT
blsr-19367	24	54	hail	hail	NOUN
blsr-19367	24	55	,	,	PUNCT
blsr-19367	24	56	explosions	explosion	NOUN
blsr-19367	24	57	,	,	PUNCT
blsr-19367	24	58	theft	theft	NOUN
blsr-19367	24	59	,	,	PUNCT
blsr-19367	24	60	and	and	CCONJ
blsr-19367	24	61	vandalism.31	vandalism.31	VERB
blsr-19367	24	62	such	such	DET
blsr-19367	24	63	a	a	DET
blsr-19367	24	64	policy	policy	NOUN
blsr-19367	24	65	was	be	AUX
blsr-19367	24	66	widely	widely	ADV
blsr-19367	24	67	celebrated	celebrate	VERB
blsr-19367	24	68	among	among	ADP
blsr-19367	24	69	homeowners	homeowner	NOUN
blsr-19367	24	70	,	,	PUNCT
blsr-19367	24	71	as	as	SCONJ
blsr-19367	24	72	it	it	PRON
blsr-19367	24	73	provided	provide	VERB
blsr-19367	24	74	comprehensive	comprehensive	ADJ
blsr-19367	24	75	coverage	coverage	NOUN
blsr-19367	24	76	and	and	CCONJ
blsr-19367	24	77	“	"	PUNCT
blsr-19367	24	78	cost	cost	VERB
blsr-19367	24	79	20	20	NUM
blsr-19367	24	80	%	%	NOUN
blsr-19367	24	81	less	less	ADJ
blsr-19367	24	82	than	than	ADP
blsr-19367	24	83	the	the	DET
blsr-19367	24	84	combined	combined	ADJ
blsr-19367	24	85	premiums	premium	NOUN
blsr-19367	24	86	on	on	ADP
blsr-19367	24	87	separate	separate	ADJ
blsr-19367	24	88	policies	policy	NOUN
blsr-19367	24	89	that	that	SCONJ
blsr-19367	24	90	[	[	X
blsr-19367	24	91	they	they	PRON
blsr-19367	24	92	]	]	PUNCT
blsr-19367	24	93	had	have	VERB
blsr-19367	24	94	to	to	PART
blsr-19367	24	95	buy	buy	VERB
blsr-19367	24	96	for	for	ADP
blsr-19367	24	97	similar	similar	ADJ
blsr-19367	24	98	coverage	coverage	NOUN
blsr-19367	24	99	.	.	PUNCT
blsr-19367	25	1	”16,31	”16,31	NOUN
blsr-19367	25	2	29	29	NUM
blsr-19367	25	3	regulation	regulation	NOUN
blsr-19367	25	4	notably	notably	ADV
blsr-19367	25	5	,	,	PUNCT
blsr-19367	25	6	homeowners	homeowner	NOUN
blsr-19367	25	7	'	'	PART
blsr-19367	25	8	insurance	insurance	NOUN
blsr-19367	25	9	is	be	AUX
blsr-19367	25	10	regulated	regulate	VERB
blsr-19367	25	11	by	by	ADP
blsr-19367	25	12	the	the	DET
blsr-19367	25	13	states	state	NOUN
blsr-19367	25	14	,	,	PUNCT
blsr-19367	25	15	not	not	PART
blsr-19367	25	16	the	the	DET
blsr-19367	25	17	federal	federal	ADJ
blsr-19367	25	18	government.24	government.24	NOUN
blsr-19367	25	19	in	in	ADP
blsr-19367	25	20	fact	fact	NOUN
blsr-19367	25	21	,	,	PUNCT
blsr-19367	25	22	even	even	ADV
blsr-19367	25	23	small	small	ADJ
blsr-19367	25	24	actions	action	NOUN
blsr-19367	25	25	by	by	ADP
blsr-19367	25	26	the	the	DET
blsr-19367	25	27	treasury	treasury	PROPN
blsr-19367	25	28	department	department	PROPN
blsr-19367	25	29	,	,	PUNCT
blsr-19367	25	30	such	such	ADJ
blsr-19367	25	31	as	as	ADP
blsr-19367	25	32	attempts	attempt	NOUN
blsr-19367	25	33	to	to	PART
blsr-19367	25	34	gather	gather	VERB
blsr-19367	25	35	data	datum	NOUN
blsr-19367	25	36	on	on	ADP
blsr-19367	25	37	the	the	DET
blsr-19367	25	38	market	market	NOUN
blsr-19367	25	39	,	,	PUNCT
blsr-19367	25	40	have	have	AUX
blsr-19367	25	41	received	receive	VERB
blsr-19367	25	42	pushback	pushback	NOUN
blsr-19367	25	43	from	from	ADP
blsr-19367	25	44	state	state	NOUN
blsr-19367	25	45	regulators.24	regulators.24	NOUN
blsr-19367	25	46	given	give	VERB
blsr-19367	25	47	this	this	DET
blsr-19367	25	48	structure	structure	NOUN
blsr-19367	25	49	,	,	PUNCT
blsr-19367	25	50	the	the	DET
blsr-19367	25	51	responsibility	responsibility	NOUN
blsr-19367	25	52	of	of	ADP
blsr-19367	25	53	approving	approve	VERB
blsr-19367	25	54	or	or	CCONJ
blsr-19367	25	55	rejecting	reject	VERB
blsr-19367	25	56	rate	rate	NOUN
blsr-19367	25	57	increases	increase	NOUN
blsr-19367	25	58	ultimately	ultimately	ADV
blsr-19367	25	59	lies	lie	VERB
blsr-19367	25	60	with	with	ADP
blsr-19367	25	61	the	the	DET
blsr-19367	25	62	states.24	states.24	ADJ
blsr-19367	25	63	present	present	ADJ
blsr-19367	25	64	day	day	NOUN
blsr-19367	25	65	today	today	NOUN
blsr-19367	25	66	,	,	PUNCT
blsr-19367	25	67	homeowners	homeowners	PROPN
blsr-19367	25	68	'	'	PART
blsr-19367	25	69	insurance	insurance	NOUN
blsr-19367	25	70	policies	policy	NOUN
blsr-19367	25	71	provide	provide	VERB
blsr-19367	25	72	much	much	ADJ
blsr-19367	25	73	of	of	ADP
blsr-19367	25	74	the	the	DET
blsr-19367	25	75	same	same	ADJ
blsr-19367	25	76	coverage	coverage	NOUN
blsr-19367	25	77	as	as	SCONJ
blsr-19367	25	78	the	the	DET
blsr-19367	25	79	first	first	ADJ
blsr-19367	25	80	one	one	NOUN
blsr-19367	25	81	did	do	VERB
blsr-19367	25	82	back	back	ADV
blsr-19367	25	83	in	in	ADP
blsr-19367	25	84	1950	1950	NUM
blsr-19367	25	85	.	.	PUNCT
blsr-19367	26	1	one	one	NUM
blsr-19367	26	2	main	main	ADJ
blsr-19367	26	3	difference	difference	NOUN
blsr-19367	26	4	,	,	PUNCT
blsr-19367	26	5	however	however	ADV
blsr-19367	26	6	,	,	PUNCT
blsr-19367	26	7	is	be	AUX
blsr-19367	26	8	the	the	DET
blsr-19367	26	9	types	type	NOUN
blsr-19367	26	10	of	of	ADP
blsr-19367	26	11	policies	policy	NOUN
blsr-19367	26	12	offered	offer	VERB
blsr-19367	26	13	.	.	PUNCT
blsr-19367	27	1	currently	currently	ADV
blsr-19367	27	2	,	,	PUNCT
blsr-19367	27	3	there	there	PRON
blsr-19367	27	4	are	be	VERB
blsr-19367	27	5	five	five	NUM
blsr-19367	27	6	to	to	PART
blsr-19367	27	7	choose	choose	VERB
blsr-19367	27	8	from	from	ADP
blsr-19367	27	9	(	(	PUNCT
blsr-19367	27	10	excluding	exclude	VERB
blsr-19367	27	11	renters	renter	NOUN
blsr-19367	27	12	insurance	insurance	NOUN
blsr-19367	27	13	,	,	PUNCT
blsr-19367	27	14	condo	condo	NOUN
blsr-19367	27	15	insurance	insurance	NOUN
blsr-19367	27	16	,	,	PUNCT
blsr-19367	27	17	and	and	CCONJ
blsr-19367	27	18	mobile	mobile	ADJ
blsr-19367	27	19	home	home	NOUN
blsr-19367	27	20	insurance	insurance	NOUN
blsr-19367	27	21	)	)	PUNCT
blsr-19367	27	22	,	,	PUNCT
blsr-19367	27	23	all	all	PRON
blsr-19367	27	24	with	with	ADP
blsr-19367	27	25	differing	differ	VERB
blsr-19367	27	26	amounts	amount	NOUN
blsr-19367	27	27	of	of	ADP
blsr-19367	27	28	coverage	coverage	NOUN
blsr-19367	27	29	(	(	PUNCT
blsr-19367	27	30	exhibit	exhibit	NOUN
blsr-19367	27	31	6).42	6).42	NUM
blsr-19367	27	32	the	the	DET
blsr-19367	27	33	ho-1	ho-1	ADJ
blsr-19367	27	34	policy	policy	NOUN
blsr-19367	27	35	offers	offer	VERB
blsr-19367	27	36	the	the	DET
blsr-19367	27	37	least	least	ADJ
blsr-19367	27	38	amount	amount	NOUN
blsr-19367	27	39	of	of	ADP
blsr-19367	27	40	coverage	coverage	NOUN
blsr-19367	27	41	and	and	CCONJ
blsr-19367	27	42	has	have	VERB
blsr-19367	27	43	limited	limit	VERB
blsr-19367	27	44	availability	availability	NOUN
blsr-19367	27	45	in	in	ADP
blsr-19367	27	46	most	most	ADJ
blsr-19367	27	47	states	state	NOUN
blsr-19367	27	48	,	,	PUNCT
blsr-19367	27	49	as	as	SCONJ
blsr-19367	27	50	mortgages	mortgage	NOUN
blsr-19367	27	51	often	often	ADV
blsr-19367	27	52	require	require	VERB
blsr-19367	27	53	higher	high	ADJ
blsr-19367	27	54	levels	level	NOUN
blsr-19367	27	55	of	of	ADP
blsr-19367	27	56	protection.42	protection.42	NOUN
blsr-19367	27	57	next	next	ADV
blsr-19367	27	58	is	be	AUX
blsr-19367	27	59	the	the	DET
blsr-19367	27	60	ho-2	ho-2	NOUN
blsr-19367	27	61	policy	policy	NOUN
blsr-19367	27	62	,	,	PUNCT
blsr-19367	27	63	which	which	PRON
blsr-19367	27	64	builds	build	VERB
blsr-19367	27	65	on	on	ADP
blsr-19367	27	66	ho-1.42	ho-1.42	NOUN
blsr-19367	27	67	nevertheless	nevertheless	ADV
blsr-19367	27	68	,	,	PUNCT
blsr-19367	27	69	it	it	PRON
blsr-19367	27	70	is	be	AUX
blsr-19367	27	71	the	the	DET
blsr-19367	27	72	ho-3	ho-3	X
blsr-19367	27	73	policy	policy	NOUN
blsr-19367	27	74	that	that	PRON
blsr-19367	27	75	is	be	AUX
blsr-19367	27	76	most	most	ADV
blsr-19367	27	77	common.42	common.42	VERB
blsr-19367	27	78	this	this	DET
blsr-19367	27	79	policy	policy	NOUN
blsr-19367	27	80	provides	provide	VERB
blsr-19367	27	81	coverage	coverage	NOUN
blsr-19367	27	82	for	for	ADP
blsr-19367	27	83	a	a	DET
blsr-19367	27	84	house	house	NOUN
blsr-19367	27	85	and	and	CCONJ
blsr-19367	27	86	personal	personal	ADJ
blsr-19367	27	87	belongings	belonging	NOUN
blsr-19367	27	88	,	,	PUNCT
blsr-19367	27	89	in	in	ADP
blsr-19367	27	90	addition	addition	NOUN
blsr-19367	27	91	to	to	ADP
blsr-19367	27	92	liability	liability	NOUN
blsr-19367	27	93	,	,	PUNCT
blsr-19367	27	94	medical	medical	ADJ
blsr-19367	27	95	payments	payment	NOUN
blsr-19367	27	96	to	to	ADP
blsr-19367	27	97	others	other	NOUN
blsr-19367	27	98	,	,	PUNCT
blsr-19367	27	99	and	and	CCONJ
blsr-19367	27	100	supplemental	supplemental	ADJ
blsr-19367	27	101	living	live	VERB
blsr-19367	27	102	expenses.42	expenses.42	NOUN
blsr-19367	27	103	additionally	additionally	ADV
blsr-19367	27	104	,	,	PUNCT
blsr-19367	27	105	there	there	PRON
blsr-19367	27	106	is	be	VERB
blsr-19367	27	107	the	the	DET
blsr-19367	27	108	ho-5	ho-5	X
blsr-19367	27	109	policy	policy	NOUN
blsr-19367	27	110	,	,	PUNCT
blsr-19367	27	111	which	which	PRON
blsr-19367	27	112	offers	offer	VERB
blsr-19367	27	113	the	the	DET
blsr-19367	27	114	highest	high	ADJ
blsr-19367	27	115	level	level	NOUN
blsr-19367	27	116	of	of	ADP
blsr-19367	27	117	protection.42	protection.42	NOUN
blsr-19367	27	118	in	in	ADP
blsr-19367	27	119	contrast	contrast	NOUN
blsr-19367	27	120	to	to	ADP
blsr-19367	27	121	the	the	DET
blsr-19367	27	122	ho-3	ho-3	X
blsr-19367	27	123	policy	policy	NOUN
blsr-19367	27	124	,	,	PUNCT
blsr-19367	27	125	ho-5	ho-5	PUNCT
blsr-19367	27	126	pays	pay	VERB
blsr-19367	27	127	out	out	ADP
blsr-19367	27	128	replacement	replacement	NOUN
blsr-19367	27	129	cost	cost	NOUN
blsr-19367	27	130	value	value	NOUN
blsr-19367	27	131	(	(	PUNCT
blsr-19367	27	132	as	as	SCONJ
blsr-19367	27	133	opposed	oppose	VERB
blsr-19367	27	134	to	to	ADP
blsr-19367	27	135	actual	actual	ADJ
blsr-19367	27	136	cash	cash	NOUN
blsr-19367	27	137	value).42	value).42	PUNCT
blsr-19367	27	138	replacement	replacement	NOUN
blsr-19367	27	139	cost	cost	NOUN
blsr-19367	27	140	value	value	NOUN
blsr-19367	27	141	involves	involve	VERB
blsr-19367	27	142	replacing	replace	VERB
blsr-19367	27	143	damaged	damage	VERB
blsr-19367	27	144	items	item	NOUN
blsr-19367	27	145	with	with	ADP
blsr-19367	27	146	new	new	ADJ
blsr-19367	27	147	and	and	CCONJ
blsr-19367	27	148	similar	similar	ADJ
blsr-19367	27	149	versions	version	NOUN
blsr-19367	27	150	,	,	PUNCT
blsr-19367	27	151	while	while	SCONJ
blsr-19367	27	152	actual	actual	ADJ
blsr-19367	27	153	cash	cash	NOUN
blsr-19367	27	154	value	value	NOUN
blsr-19367	27	155	involves	involve	VERB
blsr-19367	27	156	receiving	receive	VERB
blsr-19367	27	157	the	the	DET
blsr-19367	27	158	depreciated	depreciate	VERB
blsr-19367	27	159	cash	cash	NOUN
blsr-19367	27	160	value	value	NOUN
blsr-19367	27	161	of	of	ADP
blsr-19367	27	162	damaged	damage	VERB
blsr-19367	27	163	items.42	items.42	NOUN
blsr-19367	27	164	also	also	ADV
blsr-19367	27	165	,	,	PUNCT
blsr-19367	27	166	unlike	unlike	ADP
blsr-19367	27	167	the	the	DET
blsr-19367	27	168	ho-3	ho-3	X
blsr-19367	27	169	policy	policy	NOUN
blsr-19367	27	170	,	,	PUNCT
blsr-19367	27	171	ho-5	ho-5	PUNCT
blsr-19367	27	172	covers	cover	VERB
blsr-19367	27	173	personal	personal	ADJ
blsr-19367	27	174	belongings	belonging	NOUN
blsr-19367	27	175	if	if	SCONJ
blsr-19367	27	176	they	they	PRON
blsr-19367	27	177	are	be	AUX
blsr-19367	27	178	damaged	damage	VERB
blsr-19367	27	179	,	,	PUNCT
blsr-19367	27	180	stolen	steal	VERB
blsr-19367	27	181	,	,	PUNCT
blsr-19367	27	182	lost	lose	VERB
blsr-19367	27	183	,	,	PUNCT
blsr-19367	27	184	or	or	CCONJ
blsr-19367	27	185	misplaced	misplace	VERB
blsr-19367	27	186	(	(	PUNCT
blsr-19367	27	187	as	as	SCONJ
blsr-19367	27	188	opposed	oppose	VERB
blsr-19367	27	189	to	to	PART
blsr-19367	27	190	just	just	ADV
blsr-19367	27	191	damaged	damage	VERB
blsr-19367	27	192	or	or	CCONJ
blsr-19367	27	193	stolen).42	stolen).42	NOUN
blsr-19367	27	194	finally	finally	ADV
blsr-19367	27	195	,	,	PUNCT
blsr-19367	27	196	the	the	DET
blsr-19367	27	197	ho-8	ho-8	NOUN
blsr-19367	27	198	policy	policy	NOUN
blsr-19367	27	199	applies	apply	VERB
blsr-19367	27	200	to	to	ADP
blsr-19367	27	201	historic	historic	ADJ
blsr-19367	27	202	homes	home	NOUN
blsr-19367	27	203	and	and	CCONJ
blsr-19367	27	204	registered	register	VERB
blsr-19367	27	205	landmarks.42	landmarks.42	NOUN
blsr-19367	27	206	while	while	SCONJ
blsr-19367	27	207	it	it	PRON
blsr-19367	27	208	offers	offer	VERB
blsr-19367	27	209	less	less	ADJ
blsr-19367	27	210	protection	protection	NOUN
blsr-19367	27	211	than	than	ADP
blsr-19367	27	212	the	the	DET
blsr-19367	27	213	ho-3	ho-3	ADJ
blsr-19367	27	214	and	and	CCONJ
blsr-19367	27	215	ho-5	ho-5	PUNCT
blsr-19367	27	216	policies	policy	NOUN
blsr-19367	27	217	,	,	PUNCT
blsr-19367	27	218	coverage	coverage	NOUN
blsr-19367	27	219	for	for	ADP
blsr-19367	27	220	personal	personal	ADJ
blsr-19367	27	221	belongings	belonging	NOUN
blsr-19367	27	222	,	,	PUNCT
blsr-19367	27	223	liability	liability	NOUN
blsr-19367	27	224	,	,	PUNCT
blsr-19367	27	225	medical	medical	ADJ
blsr-19367	27	226	payments	payment	NOUN
blsr-19367	27	227	to	to	ADP
blsr-19367	27	228	others	other	NOUN
blsr-19367	27	229	,	,	PUNCT
blsr-19367	27	230	and	and	CCONJ
blsr-19367	27	231	supplemental	supplemental	ADJ
blsr-19367	27	232	living	living	NOUN
blsr-19367	27	233	expenses	expense	NOUN
blsr-19367	27	234	is	be	AUX
blsr-19367	27	235	still	still	ADV
blsr-19367	27	236	included.42	included.42	NOUN
blsr-19367	27	237	30	30	NUM
blsr-19367	27	238	public	public	ADJ
blsr-19367	27	239	policy	policy	NOUN
blsr-19367	27	240	analysis	analysis	NOUN
blsr-19367	27	241	given	give	VERB
blsr-19367	27	242	the	the	DET
blsr-19367	27	243	rapid	rapid	ADJ
blsr-19367	27	244	rise	rise	NOUN
blsr-19367	27	245	of	of	ADP
blsr-19367	27	246	both	both	DET
blsr-19367	27	247	premiums	premium	NOUN
blsr-19367	27	248	and	and	CCONJ
blsr-19367	27	249	non	non	ADJ
blsr-19367	27	250	-	-	ADJ
blsr-19367	27	251	renewal	renewal	ADJ
blsr-19367	27	252	rates	rate	NOUN
blsr-19367	27	253	,	,	PUNCT
blsr-19367	27	254	homeowners	homeowner	NOUN
blsr-19367	27	255	in	in	ADP
blsr-19367	27	256	disaster	disaster	NOUN
blsr-19367	27	257	-	-	PUNCT
blsr-19367	27	258	prone	prone	ADJ
blsr-19367	27	259	areas	area	NOUN
blsr-19367	27	260	have	have	AUX
blsr-19367	27	261	flocked	flock	VERB
blsr-19367	27	262	,	,	PUNCT
blsr-19367	27	263	in	in	ADP
blsr-19367	27	264	record	record	NOUN
blsr-19367	27	265	numbers	number	NOUN
blsr-19367	27	266	,	,	PUNCT
blsr-19367	27	267	to	to	ADP
blsr-19367	27	268	insurers	insurer	NOUN
blsr-19367	27	269	of	of	ADP
blsr-19367	27	270	last	last	ADJ
blsr-19367	27	271	resort	resort	NOUN
blsr-19367	27	272	and	and	CCONJ
blsr-19367	27	273	lightly	lightly	ADV
blsr-19367	27	274	regulated	regulate	VERB
blsr-19367	27	275	(	(	PUNCT
blsr-19367	27	276	i.e.	i.e.	X
blsr-19367	27	277	,	,	PUNCT
blsr-19367	27	278	non	non	ADJ
blsr-19367	27	279	-	-	ADJ
blsr-19367	27	280	admitted	admit	VERB
blsr-19367	27	281	)	)	PUNCT
blsr-19367	27	282	home	home	NOUN
blsr-19367	27	283	insurance	insurance	NOUN
blsr-19367	27	284	.	.	PUNCT
blsr-19367	28	1	both	both	DET
blsr-19367	28	2	options	option	NOUN
blsr-19367	28	3	present	present	VERB
blsr-19367	28	4	their	their	PRON
blsr-19367	28	5	own	own	ADJ
blsr-19367	28	6	issues	issue	NOUN
blsr-19367	28	7	.	.	PUNCT
blsr-19367	29	1	insurers	insurer	NOUN
blsr-19367	29	2	of	of	ADP
blsr-19367	29	3	last	last	ADJ
blsr-19367	29	4	resort	resort	NOUN
blsr-19367	29	5	insurers	insurer	NOUN
blsr-19367	29	6	of	of	ADP
blsr-19367	29	7	last	last	ADJ
blsr-19367	29	8	resort	resort	NOUN
blsr-19367	29	9	,	,	PUNCT
blsr-19367	29	10	such	such	ADJ
blsr-19367	29	11	as	as	ADP
blsr-19367	29	12	california	california	PROPN
blsr-19367	29	13	’s	’s	PART
blsr-19367	29	14	fair	fair	ADJ
blsr-19367	29	15	plan	plan	NOUN
blsr-19367	29	16	and	and	CCONJ
blsr-19367	29	17	florida	florida	PROPN
blsr-19367	29	18	’s	’s	PART
blsr-19367	29	19	citizens	citizen	NOUN
blsr-19367	29	20	property	property	NOUN
blsr-19367	29	21	insurance	insurance	NOUN
blsr-19367	29	22	corporation	corporation	NOUN
blsr-19367	29	23	,	,	PUNCT
blsr-19367	29	24	have	have	AUX
blsr-19367	29	25	become	become	VERB
blsr-19367	29	26	an	an	DET
blsr-19367	29	27	increasingly	increasingly	ADV
blsr-19367	29	28	popular	popular	ADJ
blsr-19367	29	29	option	option	NOUN
blsr-19367	29	30	among	among	ADP
blsr-19367	29	31	homeowners	homeowner	NOUN
blsr-19367	29	32	because	because	SCONJ
blsr-19367	29	33	of	of	ADP
blsr-19367	29	34	their	their	PRON
blsr-19367	29	35	ability	ability	NOUN
blsr-19367	29	36	to	to	PART
blsr-19367	29	37	provide	provide	VERB
blsr-19367	29	38	coverage	coverage	NOUN
blsr-19367	29	39	in	in	ADP
blsr-19367	29	40	high	high	ADJ
blsr-19367	29	41	-	-	PUNCT
blsr-19367	29	42	risk	risk	NOUN
blsr-19367	29	43	areas	area	NOUN
blsr-19367	29	44	when	when	SCONJ
blsr-19367	29	45	traditional	traditional	ADJ
blsr-19367	29	46	insurance	insurance	NOUN
blsr-19367	29	47	companies	company	NOUN
blsr-19367	29	48	will	will	AUX
blsr-19367	29	49	not.7,46	not.7,46	ADV
blsr-19367	29	50	unlike	unlike	ADP
blsr-19367	29	51	private	private	ADJ
blsr-19367	29	52	insurance	insurance	NOUN
blsr-19367	29	53	,	,	PUNCT
blsr-19367	29	54	they	they	PRON
blsr-19367	29	55	are	be	AUX
blsr-19367	29	56	backed	back	VERB
blsr-19367	29	57	by	by	ADP
blsr-19367	29	58	their	their	PRON
blsr-19367	29	59	respective	respective	ADJ
blsr-19367	29	60	states	state	NOUN
blsr-19367	29	61	and	and	CCONJ
blsr-19367	29	62	meant	mean	VERB
blsr-19367	29	63	to	to	PART
blsr-19367	29	64	function	function	VERB
blsr-19367	29	65	as	as	ADP
blsr-19367	29	66	a	a	DET
blsr-19367	29	67	temporary	temporary	ADJ
blsr-19367	29	68	safety	safety	NOUN
blsr-19367	29	69	net	net	NOUN
blsr-19367	29	70	until	until	SCONJ
blsr-19367	29	71	private	private	ADJ
blsr-19367	29	72	insurance	insurance	NOUN
blsr-19367	29	73	coverage	coverage	NOUN
blsr-19367	29	74	becomes	become	VERB
blsr-19367	29	75	available.1	available.1	ADJ
blsr-19367	29	76	despite	despite	SCONJ
blsr-19367	29	77	their	their	PRON
blsr-19367	29	78	temporary	temporary	ADJ
blsr-19367	29	79	nature	nature	NOUN
blsr-19367	29	80	,	,	PUNCT
blsr-19367	29	81	homeowners	homeowner	NOUN
blsr-19367	29	82	have	have	AUX
blsr-19367	29	83	not	not	PART
blsr-19367	29	84	been	be	AUX
blsr-19367	29	85	deterred	deter	VERB
blsr-19367	29	86	from	from	ADP
blsr-19367	29	87	both	both	PRON
blsr-19367	29	88	enrolling	enrol	VERB
blsr-19367	29	89	and	and	CCONJ
blsr-19367	29	90	remaining	remain	VERB
blsr-19367	29	91	enrolled	enrol	VERB
blsr-19367	29	92	in	in	ADP
blsr-19367	29	93	these	these	DET
blsr-19367	29	94	policies	policy	NOUN
blsr-19367	29	95	,	,	PUNCT
blsr-19367	29	96	as	as	SCONJ
blsr-19367	29	97	such	such	ADJ
blsr-19367	29	98	plans	plan	NOUN
blsr-19367	29	99	are	be	AUX
blsr-19367	29	100	often	often	ADV
blsr-19367	29	101	the	the	DET
blsr-19367	29	102	only	only	ADJ
blsr-19367	29	103	option	option	NOUN
blsr-19367	29	104	.	.	PUNCT
blsr-19367	30	1	in	in	ADP
blsr-19367	30	2	fact	fact	NOUN
blsr-19367	30	3	,	,	PUNCT
blsr-19367	30	4	between	between	ADP
blsr-19367	30	5	2018	2018	NUM
blsr-19367	30	6	and	and	CCONJ
blsr-19367	30	7	2023	2023	NUM
blsr-19367	30	8	,	,	PUNCT
blsr-19367	30	9	insurers	insurer	NOUN
blsr-19367	30	10	of	of	ADP
blsr-19367	30	11	last	last	ADJ
blsr-19367	30	12	resort	resort	NOUN
blsr-19367	30	13	plans	plan	VERB
blsr-19367	30	14	more	more	ADV
blsr-19367	30	15	than	than	ADP
blsr-19367	30	16	doubled	double	VERB
blsr-19367	30	17	their	their	PRON
blsr-19367	30	18	market	market	NOUN
blsr-19367	30	19	share	share	NOUN
blsr-19367	30	20	,	,	PUNCT
blsr-19367	30	21	with	with	ADP
blsr-19367	30	22	florida	florida	PROPN
blsr-19367	30	23	’s	’s	PART
blsr-19367	30	24	citizen	citizen	PROPN
blsr-19367	30	25	plan	plan	NOUN
blsr-19367	30	26	making	make	VERB
blsr-19367	30	27	its	its	PRON
blsr-19367	30	28	way	way	NOUN
blsr-19367	30	29	onto	onto	ADP
blsr-19367	30	30	the	the	DET
blsr-19367	30	31	top	top	ADJ
blsr-19367	30	32	ten	ten	NUM
blsr-19367	30	33	list	list	NOUN
blsr-19367	30	34	of	of	ADP
blsr-19367	30	35	largest	large	ADJ
blsr-19367	30	36	homeowner	homeowner	NOUN
blsr-19367	30	37	insurers	insurer	NOUN
blsr-19367	30	38	in	in	ADP
blsr-19367	30	39	2023.27,35	2023.27,35	NUM
blsr-19367	30	40	to	to	PART
blsr-19367	30	41	further	far	ADV
blsr-19367	30	42	analyze	analyze	VERB
blsr-19367	30	43	the	the	DET
blsr-19367	30	44	market	market	NOUN
blsr-19367	30	45	for	for	ADP
blsr-19367	30	46	insurers	insurer	NOUN
blsr-19367	30	47	of	of	ADP
blsr-19367	30	48	last	last	ADJ
blsr-19367	30	49	resort	resort	NOUN
blsr-19367	30	50	,	,	PUNCT
blsr-19367	30	51	one	one	PRON
blsr-19367	30	52	can	can	AUX
blsr-19367	30	53	turn	turn	VERB
blsr-19367	30	54	to	to	ADP
blsr-19367	30	55	california	california	PROPN
blsr-19367	30	56	’s	’s	PART
blsr-19367	30	57	fair	fair	ADJ
blsr-19367	30	58	plan	plan	NOUN
blsr-19367	30	59	.	.	PUNCT
blsr-19367	31	1	established	establish	VERB
blsr-19367	31	2	by	by	ADP
blsr-19367	31	3	statute	statute	NOUN
blsr-19367	31	4	in	in	ADP
blsr-19367	31	5	1968	1968	NUM
blsr-19367	31	6	,	,	PUNCT
blsr-19367	31	7	the	the	DET
blsr-19367	31	8	fair	fair	ADJ
blsr-19367	31	9	plan	plan	NOUN
blsr-19367	31	10	provides	provide	VERB
blsr-19367	31	11	“	"	PUNCT
blsr-19367	31	12	basic	basic	ADJ
blsr-19367	31	13	fire	fire	NOUN
blsr-19367	31	14	insurance	insurance	NOUN
blsr-19367	31	15	coverage	coverage	NOUN
blsr-19367	31	16	to	to	ADP
blsr-19367	31	17	high	high	ADJ
blsr-19367	31	18	-	-	PUNCT
blsr-19367	31	19	risk	risk	NOUN
blsr-19367	31	20	properties	property	NOUN
blsr-19367	31	21	that	that	PRON
blsr-19367	31	22	traditional	traditional	ADJ
blsr-19367	31	23	insurance	insurance	NOUN
blsr-19367	31	24	carriers	carrier	NOUN
blsr-19367	31	25	refuse	refuse	VERB
blsr-19367	31	26	to	to	PART
blsr-19367	31	27	cover	cover	VERB
blsr-19367	31	28	.	.	PUNCT
blsr-19367	32	1	”1,39	”1,39	VERB
blsr-19367	32	2	the	the	DET
blsr-19367	32	3	fair	fair	ADJ
blsr-19367	32	4	plan	plan	NOUN
blsr-19367	32	5	is	be	AUX
blsr-19367	32	6	structured	structure	VERB
blsr-19367	32	7	as	as	ADP
blsr-19367	32	8	a	a	DET
blsr-19367	32	9	“	"	PUNCT
blsr-19367	32	10	pool	pool	NOUN
blsr-19367	32	11	”	"	PUNCT
blsr-19367	32	12	of	of	ADP
blsr-19367	32	13	all	all	DET
blsr-19367	32	14	licensed	licensed	ADJ
blsr-19367	32	15	property	property	NOUN
blsr-19367	32	16	insurers	insurer	NOUN
blsr-19367	32	17	in	in	ADP
blsr-19367	32	18	california	california	PROPN
blsr-19367	32	19	,	,	PUNCT
blsr-19367	32	20	each	each	PRON
blsr-19367	32	21	of	of	ADP
blsr-19367	32	22	which	which	PRON
blsr-19367	32	23	contributes	contribute	VERB
blsr-19367	32	24	to	to	ADP
blsr-19367	32	25	its	its	PRON
blsr-19367	32	26	profits	profit	NOUN
blsr-19367	32	27	,	,	PUNCT
blsr-19367	32	28	losses	loss	NOUN
blsr-19367	32	29	,	,	PUNCT
blsr-19367	32	30	and	and	CCONJ
blsr-19367	32	31	expenses	expense	NOUN
blsr-19367	32	32	in	in	ADP
blsr-19367	32	33	a	a	DET
blsr-19367	32	34	manner	manner	NOUN
blsr-19367	32	35	proportional	proportional	NOUN
blsr-19367	32	36	to	to	ADP
blsr-19367	32	37	their	their	PRON
blsr-19367	32	38	market	market	NOUN
blsr-19367	32	39	share	share	NOUN
blsr-19367	32	40	in	in	ADP
blsr-19367	32	41	the	the	DET
blsr-19367	32	42	state.1	state.1	PROPN
blsr-19367	32	43	the	the	DET
blsr-19367	32	44	plan	plan	NOUN
blsr-19367	32	45	is	be	AUX
blsr-19367	32	46	not	not	PART
blsr-19367	32	47	a	a	DET
blsr-19367	32	48	state	state	NOUN
blsr-19367	32	49	agency	agency	NOUN
blsr-19367	32	50	or	or	CCONJ
blsr-19367	32	51	a	a	DET
blsr-19367	32	52	public	public	ADJ
blsr-19367	32	53	entity	entity	NOUN
blsr-19367	32	54	,	,	PUNCT
blsr-19367	32	55	meaning	mean	VERB
blsr-19367	32	56	it	it	PRON
blsr-19367	32	57	does	do	AUX
blsr-19367	32	58	not	not	PART
blsr-19367	32	59	receive	receive	VERB
blsr-19367	32	60	public	public	ADJ
blsr-19367	32	61	or	or	CCONJ
blsr-19367	32	62	taxpayer	taxpayer	NOUN
blsr-19367	32	63	funding.1	funding.1	PROPN
blsr-19367	32	64	in	in	ADP
blsr-19367	32	65	regard	regard	NOUN
blsr-19367	32	66	to	to	ADP
blsr-19367	32	67	its	its	PRON
blsr-19367	32	68	current	current	ADJ
blsr-19367	32	69	exposure	exposure	NOUN
blsr-19367	32	70	,	,	PUNCT
blsr-19367	32	71	the	the	DET
blsr-19367	32	72	statistics	statistic	NOUN
blsr-19367	32	73	are	be	AUX
blsr-19367	32	74	eye	eye	NOUN
blsr-19367	32	75	-	-	PUNCT
blsr-19367	32	76	opening	opening	NOUN
blsr-19367	32	77	.	.	PUNCT
blsr-19367	33	1	as	as	ADP
blsr-19367	33	2	of	of	ADP
blsr-19367	33	3	march	march	PROPN
blsr-19367	33	4	2025	2025	NUM
blsr-19367	33	5	,	,	PUNCT
blsr-19367	33	6	“	"	PUNCT
blsr-19367	33	7	the	the	DET
blsr-19367	33	8	fair	fair	ADJ
blsr-19367	33	9	plan	plan	NOUN
blsr-19367	33	10	’s	’s	PART
blsr-19367	33	11	total	total	ADJ
blsr-19367	33	12	exposure	exposure	NOUN
blsr-19367	33	13	is	be	AUX
blsr-19367	33	14	$	$	SYM
blsr-19367	33	15	599	599	NUM
blsr-19367	33	16	billion	billion	NUM
blsr-19367	33	17	,	,	PUNCT
blsr-19367	33	18	reflecting	reflect	VERB
blsr-19367	33	19	a	a	DET
blsr-19367	33	20	31	31	NUM
blsr-19367	33	21	%	%	NOUN
blsr-19367	33	22	increase	increase	NOUN
blsr-19367	33	23	since	since	SCONJ
blsr-19367	33	24	september	september	PROPN
blsr-19367	33	25	2024	2024	NUM
blsr-19367	33	26	and	and	CCONJ
blsr-19367	33	27	a	a	DET
blsr-19367	33	28	259	259	NUM
blsr-19367	33	29	%	%	NOUN
blsr-19367	33	30	increase	increase	NOUN
blsr-19367	33	31	since	since	SCONJ
blsr-19367	33	32	september	september	PROPN
blsr-19367	33	33	2021	2021	NUM
blsr-19367	33	34	”	"	PUNCT
blsr-19367	33	35	(	(	PUNCT
blsr-19367	33	36	exhibit	exhibit	VERB
blsr-19367	33	37	7).36	7).36	NUM
blsr-19367	33	38	the	the	DET
blsr-19367	33	39	fair	fair	ADJ
blsr-19367	33	40	plan	plan	NOUN
blsr-19367	33	41	’s	’s	PART
blsr-19367	33	42	high	high	ADJ
blsr-19367	33	43	monetary	monetary	ADJ
blsr-19367	33	44	31	31	NUM
blsr-19367	33	45	exposure	exposure	NOUN
blsr-19367	33	46	highlights	highlight	NOUN
blsr-19367	33	47	the	the	DET
blsr-19367	33	48	first	first	ADJ
blsr-19367	33	49	problem	problem	NOUN
blsr-19367	33	50	associated	associate	VERB
blsr-19367	33	51	with	with	ADP
blsr-19367	33	52	insurers	insurer	NOUN
blsr-19367	33	53	of	of	ADP
blsr-19367	33	54	last	last	ADJ
blsr-19367	33	55	resort	resort	NOUN
blsr-19367	33	56	:	:	PUNCT
blsr-19367	33	57	they	they	PRON
blsr-19367	33	58	are	be	AUX
blsr-19367	33	59	incredibly	incredibly	ADV
blsr-19367	33	60	risky	risky	ADJ
blsr-19367	33	61	.	.	PUNCT
blsr-19367	34	1	in	in	ADP
blsr-19367	34	2	fact	fact	NOUN
blsr-19367	34	3	,	,	PUNCT
blsr-19367	34	4	according	accord	VERB
blsr-19367	34	5	to	to	ADP
blsr-19367	34	6	a	a	DET
blsr-19367	34	7	bloomberg	bloomberg	NOUN
blsr-19367	34	8	report	report	NOUN
blsr-19367	34	9	,	,	PUNCT
blsr-19367	34	10	“	"	PUNCT
blsr-19367	34	11	out	out	ADP
blsr-19367	34	12	of	of	ADP
blsr-19367	34	13	36	36	NUM
blsr-19367	34	14	[	[	NOUN
blsr-19367	34	15	insurers	insurer	NOUN
blsr-19367	34	16	of	of	ADP
blsr-19367	34	17	last	last	ADJ
blsr-19367	34	18	resort	resort	NOUN
blsr-19367	34	19	]	]	PUNCT
blsr-19367	34	20	that	that	PRON
blsr-19367	34	21	offer	offer	VERB
blsr-19367	34	22	coverage	coverage	NOUN
blsr-19367	34	23	for	for	ADP
blsr-19367	34	24	natural	natural	ADJ
blsr-19367	34	25	catastrophes	catastrophe	NOUN
blsr-19367	34	26	,	,	PUNCT
blsr-19367	34	27	21	21	NUM
blsr-19367	34	28	do	do	AUX
blsr-19367	34	29	n’t	not	PART
blsr-19367	34	30	explicitly	explicitly	ADV
blsr-19367	34	31	detail	detail	VERB
blsr-19367	34	32	how	how	SCONJ
blsr-19367	34	33	they	they	PRON
blsr-19367	34	34	’d	’d	AUX
blsr-19367	34	35	pay	pay	VERB
blsr-19367	34	36	deficits	deficit	NOUN
blsr-19367	34	37	.	.	PUNCT
blsr-19367	35	1	”35	”35	NOUN
blsr-19367	35	2	this	this	DET
blsr-19367	35	3	lack	lack	NOUN
blsr-19367	35	4	of	of	ADP
blsr-19367	35	5	transparency	transparency	NOUN
blsr-19367	35	6	calls	call	VERB
blsr-19367	35	7	into	into	ADP
blsr-19367	35	8	question	question	NOUN
blsr-19367	35	9	whether	whether	SCONJ
blsr-19367	35	10	insurers	insurer	NOUN
blsr-19367	35	11	of	of	ADP
blsr-19367	35	12	last	last	ADJ
blsr-19367	35	13	resort	resort	NOUN
blsr-19367	35	14	can	can	AUX
blsr-19367	35	15	remain	remain	VERB
blsr-19367	35	16	solvent	solvent	ADJ
blsr-19367	35	17	in	in	ADP
blsr-19367	35	18	the	the	DET
blsr-19367	35	19	face	face	NOUN
blsr-19367	35	20	of	of	ADP
blsr-19367	35	21	additional	additional	ADJ
blsr-19367	35	22	climate	climate	NOUN
blsr-19367	35	23	shocks	shock	NOUN
blsr-19367	35	24	.	.	PUNCT
blsr-19367	36	1	it	it	PRON
blsr-19367	36	2	would	would	AUX
blsr-19367	36	3	be	be	AUX
blsr-19367	36	4	remiss	remiss	ADJ
blsr-19367	36	5	not	not	PART
blsr-19367	36	6	to	to	PART
blsr-19367	36	7	consider	consider	VERB
blsr-19367	36	8	two	two	NUM
blsr-19367	36	9	additional	additional	ADJ
blsr-19367	36	10	problems	problem	NOUN
blsr-19367	36	11	with	with	ADP
blsr-19367	36	12	insurers	insurer	NOUN
blsr-19367	36	13	of	of	ADP
blsr-19367	36	14	last	last	ADJ
blsr-19367	36	15	resort	resort	NOUN
blsr-19367	36	16	,	,	PUNCT
blsr-19367	36	17	that	that	ADV
blsr-19367	36	18	is	is	ADV
blsr-19367	36	19	,	,	PUNCT
blsr-19367	36	20	their	their	PRON
blsr-19367	36	21	high	high	ADJ
blsr-19367	36	22	premiums	premium	NOUN
blsr-19367	36	23	and	and	CCONJ
blsr-19367	36	24	basic	basic	ADJ
blsr-19367	36	25	coverage.47	coverage.47	NOUN
blsr-19367	36	26	to	to	PART
blsr-19367	36	27	illustrate	illustrate	VERB
blsr-19367	36	28	this	this	DET
blsr-19367	36	29	issue	issue	NOUN
blsr-19367	36	30	,	,	PUNCT
blsr-19367	36	31	one	one	PRON
blsr-19367	36	32	can	can	AUX
blsr-19367	36	33	look	look	VERB
blsr-19367	36	34	no	no	ADV
blsr-19367	36	35	further	far	ADV
blsr-19367	36	36	than	than	ADP
blsr-19367	36	37	colorado	colorado	PROPN
blsr-19367	36	38	’s	’s	PART
blsr-19367	36	39	fair	fair	ADJ
blsr-19367	36	40	plan	plan	NOUN
blsr-19367	36	41	,	,	PUNCT
blsr-19367	36	42	which	which	PRON
blsr-19367	36	43	officially	officially	ADV
blsr-19367	36	44	launched	launch	VERB
blsr-19367	36	45	in	in	ADP
blsr-19367	36	46	april	april	PROPN
blsr-19367	36	47	of	of	ADP
blsr-19367	36	48	2025	2025	NUM
blsr-19367	36	49	and	and	CCONJ
blsr-19367	36	50	provides	provide	VERB
blsr-19367	36	51	basic	basic	ADJ
blsr-19367	36	52	property	property	NOUN
blsr-19367	36	53	insurance.18,50	insurance.18,50	NOUN
blsr-19367	36	54	the	the	DET
blsr-19367	36	55	plan	plan	NOUN
blsr-19367	36	56	pays	pay	VERB
blsr-19367	36	57	out	out	ADP
blsr-19367	36	58	actual	actual	ADJ
blsr-19367	36	59	cash	cash	NOUN
blsr-19367	36	60	value	value	NOUN
blsr-19367	36	61	and	and	CCONJ
blsr-19367	36	62	does	do	AUX
blsr-19367	36	63	not	not	PART
blsr-19367	36	64	cover	cover	VERB
blsr-19367	36	65	liability	liability	NOUN
blsr-19367	36	66	,	,	PUNCT
blsr-19367	36	67	content	content	NOUN
blsr-19367	36	68	replacement	replacement	NOUN
blsr-19367	36	69	,	,	PUNCT
blsr-19367	36	70	or	or	CCONJ
blsr-19367	36	71	additional	additional	ADJ
blsr-19367	36	72	living	living	NOUN
blsr-19367	36	73	expenses	expense	NOUN
blsr-19367	36	74	in	in	ADP
blsr-19367	36	75	the	the	DET
blsr-19367	36	76	event	event	NOUN
blsr-19367	36	77	a	a	DET
blsr-19367	36	78	resident	resident	NOUN
blsr-19367	36	79	is	be	AUX
blsr-19367	36	80	displaced.18,50	displaced.18,50	VERB
blsr-19367	36	81	its	its	PRON
blsr-19367	36	82	website	website	NOUN
blsr-19367	36	83	reads	read	VERB
blsr-19367	36	84	,	,	PUNCT
blsr-19367	36	85	“	"	PUNCT
blsr-19367	36	86	fair	fair	ADJ
blsr-19367	36	87	plan	plan	NOUN
blsr-19367	36	88	policies	policy	NOUN
blsr-19367	36	89	come	come	VERB
blsr-19367	36	90	with	with	ADP
blsr-19367	36	91	substantially	substantially	ADV
blsr-19367	36	92	higher	high	ADJ
blsr-19367	36	93	premiums	premium	NOUN
blsr-19367	36	94	and	and	CCONJ
blsr-19367	36	95	offer	offer	VERB
blsr-19367	36	96	more	more	ADJ
blsr-19367	36	97	limited	limited	ADJ
blsr-19367	36	98	coverage	coverage	NOUN
blsr-19367	36	99	…	…	PUNCT
blsr-19367	36	100	the	the	DET
blsr-19367	36	101	colorado	colorado	PROPN
blsr-19367	36	102	fair	fair	ADJ
blsr-19367	36	103	plan	plan	NOUN
blsr-19367	36	104	is	be	AUX
blsr-19367	36	105	the	the	DET
blsr-19367	36	106	most	most	ADV
blsr-19367	36	107	expensive	expensive	ADJ
blsr-19367	36	108	way	way	NOUN
blsr-19367	36	109	to	to	PART
blsr-19367	36	110	insure	insure	VERB
blsr-19367	36	111	a	a	DET
blsr-19367	36	112	property	property	NOUN
blsr-19367	36	113	…	…	SYM
blsr-19367	36	114	standard	standard	ADJ
blsr-19367	36	115	insurance	insurance	NOUN
blsr-19367	36	116	remains	remain	VERB
blsr-19367	36	117	the	the	DET
blsr-19367	36	118	most	most	ADV
blsr-19367	36	119	cost	cost	NOUN
blsr-19367	36	120	-	-	PUNCT
blsr-19367	36	121	effective	effective	ADJ
blsr-19367	36	122	option	option	NOUN
blsr-19367	36	123	for	for	ADP
blsr-19367	36	124	property	property	NOUN
blsr-19367	36	125	insurance	insurance	NOUN
blsr-19367	36	126	in	in	ADP
blsr-19367	36	127	nearly	nearly	ADV
blsr-19367	36	128	all	all	PRON
blsr-19367	36	129	cases	case	NOUN
blsr-19367	36	130	.	.	PUNCT
blsr-19367	37	1	”14	”14	NOUN
blsr-19367	37	2	as	as	SCONJ
blsr-19367	37	3	discussed	discuss	VERB
blsr-19367	37	4	above	above	ADV
blsr-19367	37	5	,	,	PUNCT
blsr-19367	37	6	however	however	ADV
blsr-19367	37	7	,	,	PUNCT
blsr-19367	37	8	the	the	DET
blsr-19367	37	9	“	"	PUNCT
blsr-19367	37	10	most	most	ADJ
blsr-19367	37	11	cost	cost	NOUN
blsr-19367	37	12	-	-	PUNCT
blsr-19367	37	13	effective	effective	ADJ
blsr-19367	37	14	option	option	NOUN
blsr-19367	37	15	”	"	PUNCT
blsr-19367	37	16	remains	remain	VERB
blsr-19367	37	17	unavailable	unavailable	ADJ
blsr-19367	37	18	for	for	ADP
blsr-19367	37	19	many	many	ADJ
blsr-19367	37	20	homeowners	homeowner	NOUN
blsr-19367	37	21	.	.	PUNCT
blsr-19367	38	1	as	as	ADP
blsr-19367	38	2	a	a	DET
blsr-19367	38	3	result	result	NOUN
blsr-19367	38	4	,	,	PUNCT
blsr-19367	38	5	they	they	PRON
blsr-19367	38	6	are	be	AUX
blsr-19367	38	7	left	leave	VERB
blsr-19367	38	8	with	with	ADP
blsr-19367	38	9	higher	high	ADJ
blsr-19367	38	10	premiums	premium	NOUN
blsr-19367	38	11	and	and	CCONJ
blsr-19367	38	12	insufficient	insufficient	ADJ
blsr-19367	38	13	coverage	coverage	NOUN
blsr-19367	38	14	.	.	PUNCT
blsr-19367	39	1	non	non	ADJ
blsr-19367	39	2	-	-	ADJ
blsr-19367	39	3	admitted	admit	VERB
blsr-19367	39	4	homeowners	homeowner	NOUN
blsr-19367	39	5	insurance	insurance	NOUN
blsr-19367	39	6	after	after	ADP
blsr-19367	39	7	accounting	account	VERB
blsr-19367	39	8	for	for	ADP
blsr-19367	39	9	insurers	insurer	NOUN
blsr-19367	39	10	of	of	ADP
blsr-19367	39	11	last	last	ADJ
blsr-19367	39	12	resort	resort	NOUN
blsr-19367	39	13	,	,	PUNCT
blsr-19367	39	14	there	there	PRON
blsr-19367	39	15	remains	remain	VERB
blsr-19367	39	16	one	one	NUM
blsr-19367	39	17	other	other	ADJ
blsr-19367	39	18	option	option	NOUN
blsr-19367	39	19	for	for	ADP
blsr-19367	39	20	residents	resident	NOUN
blsr-19367	39	21	in	in	ADP
blsr-19367	39	22	high	high	ADJ
blsr-19367	39	23	-	-	PUNCT
blsr-19367	39	24	risk	risk	NOUN
blsr-19367	39	25	areas	area	NOUN
blsr-19367	39	26	:	:	PUNCT
blsr-19367	39	27	non	non	ADJ
blsr-19367	39	28	-	-	ADJ
blsr-19367	39	29	admitted	admit	VERB
blsr-19367	39	30	homeowners	homeowner	NOUN
blsr-19367	39	31	insurance	insurance	NOUN
blsr-19367	39	32	,	,	PUNCT
blsr-19367	39	33	also	also	ADV
blsr-19367	39	34	known	know	VERB
blsr-19367	39	35	as	as	ADP
blsr-19367	39	36	lightly	lightly	ADV
blsr-19367	39	37	regulated	regulate	VERB
blsr-19367	39	38	insurance.3	insurance.3	PROPN
blsr-19367	39	39	while	while	SCONJ
blsr-19367	39	40	originally	originally	ADV
blsr-19367	39	41	designed	design	VERB
blsr-19367	39	42	to	to	PART
blsr-19367	39	43	provide	provide	VERB
blsr-19367	39	44	coverage	coverage	NOUN
blsr-19367	39	45	for	for	ADP
blsr-19367	39	46	“	"	PUNCT
blsr-19367	39	47	properties	property	NOUN
blsr-19367	39	48	that	that	PRON
blsr-19367	39	49	face	face	VERB
blsr-19367	39	50	unique	unique	ADJ
blsr-19367	39	51	and	and	CCONJ
blsr-19367	39	52	relatively	relatively	ADV
blsr-19367	39	53	rare	rare	ADJ
blsr-19367	39	54	risks	risk	NOUN
blsr-19367	39	55	”	"	PUNCT
blsr-19367	39	56	in	in	ADP
blsr-19367	39	57	the	the	DET
blsr-19367	39	58	commercial	commercial	ADJ
blsr-19367	39	59	real	real	ADJ
blsr-19367	39	60	estate	estate	NOUN
blsr-19367	39	61	industry	industry	NOUN
blsr-19367	39	62	,	,	PUNCT
blsr-19367	39	63	such	such	ADJ
blsr-19367	39	64	as	as	ADP
blsr-19367	39	65	a	a	DET
blsr-19367	39	66	fireworks	firework	NOUN
blsr-19367	39	67	factory	factory	NOUN
blsr-19367	39	68	or	or	CCONJ
blsr-19367	39	69	a	a	DET
blsr-19367	39	70	nuclear	nuclear	ADJ
blsr-19367	39	71	waste	waste	NOUN
blsr-19367	39	72	project	project	NOUN
blsr-19367	39	73	,	,	PUNCT
blsr-19367	39	74	lightly	lightly	ADV
blsr-19367	39	75	regulated	regulate	VERB
blsr-19367	39	76	home	home	NOUN
blsr-19367	39	77	insurance	insurance	NOUN
blsr-19367	39	78	has	have	AUX
blsr-19367	39	79	expanded	expand	VERB
blsr-19367	39	80	its	its	PRON
blsr-19367	39	81	reach.3	reach.3	NOUN
blsr-19367	39	82	for	for	ADP
blsr-19367	39	83	instance	instance	NOUN
blsr-19367	39	84	,	,	PUNCT
blsr-19367	39	85	the	the	DET
blsr-19367	39	86	“	"	PUNCT
blsr-19367	39	87	number	number	NOUN
blsr-19367	39	88	of	of	ADP
blsr-19367	39	89	non	non	ADJ
blsr-19367	39	90	-	-	ADJ
blsr-19367	39	91	admitted	admit	VERB
blsr-19367	39	92	homeowners	homeowner	NOUN
blsr-19367	39	93	policies	policy	NOUN
blsr-19367	39	94	in	in	ADP
blsr-19367	39	95	florida	florida	PROPN
blsr-19367	39	96	grew	grow	VERB
blsr-19367	39	97	73	73	NUM
blsr-19367	39	98	%	%	NOUN
blsr-19367	39	99	,	,	PUNCT
blsr-19367	39	100	to	to	ADP
blsr-19367	39	101	more	more	ADJ
blsr-19367	39	102	than	than	ADP
blsr-19367	39	103	92,000	92,000	NUM
blsr-19367	39	104	,	,	PUNCT
blsr-19367	39	105	in	in	ADP
blsr-19367	39	106	the	the	DET
blsr-19367	39	107	14	14	NUM
blsr-19367	39	108	-	-	PUNCT
blsr-19367	39	109	year	year	NOUN
blsr-19367	39	110	period	period	NOUN
blsr-19367	39	111	that	that	PRON
blsr-19367	39	112	ended	end	VERB
blsr-19367	39	113	in	in	ADP
blsr-19367	39	114	2023.”3	2023.”3	NUM
blsr-19367	39	115	in	in	ADP
blsr-19367	39	116	some	some	DET
blsr-19367	39	117	counties	county	NOUN
blsr-19367	39	118	,	,	PUNCT
blsr-19367	39	119	however	however	ADV
blsr-19367	39	120	,	,	PUNCT
blsr-19367	39	121	the	the	DET
blsr-19367	39	122	number	number	NOUN
blsr-19367	39	123	of	of	ADP
blsr-19367	39	124	policies	policy	NOUN
blsr-19367	39	125	grew	grow	VERB
blsr-19367	39	126	upwards	upwards	ADV
blsr-19367	39	127	of	of	ADP
blsr-19367	39	128	32	32	NUM
blsr-19367	39	129	250	250	NUM
blsr-19367	39	130	%	%	NOUN
blsr-19367	39	131	,	,	PUNCT
blsr-19367	39	132	with	with	ADP
blsr-19367	39	133	okeechobee	okeechobee	PROPN
blsr-19367	39	134	county	county	NOUN
blsr-19367	39	135	experiencing	experience	VERB
blsr-19367	39	136	the	the	DET
blsr-19367	39	137	highest	high	ADJ
blsr-19367	39	138	increase	increase	NOUN
blsr-19367	39	139	at	at	ADP
blsr-19367	39	140	1,009	1,009	NUM
blsr-19367	39	141	%	%	NOUN
blsr-19367	39	142	(	(	PUNCT
blsr-19367	39	143	exhibit	exhibit	VERB
blsr-19367	39	144	8).3	8).3	NUM
blsr-19367	39	145	over	over	ADP
blsr-19367	39	146	the	the	DET
blsr-19367	39	147	same	same	ADJ
blsr-19367	39	148	period	period	NOUN
blsr-19367	39	149	,	,	PUNCT
blsr-19367	39	150	california	california	PROPN
blsr-19367	39	151	saw	see	VERB
blsr-19367	39	152	transactions	transaction	NOUN
blsr-19367	39	153	in	in	ADP
blsr-19367	39	154	its	its	PRON
blsr-19367	39	155	non	non	ADJ
blsr-19367	39	156	-	-	ADJ
blsr-19367	39	157	admitted	admit	VERB
blsr-19367	39	158	market	market	NOUN
blsr-19367	39	159	increase	increase	NOUN
blsr-19367	39	160	by	by	ADP
blsr-19367	39	161	nearly	nearly	ADV
blsr-19367	39	162	200%.3	200%.3	NUM
blsr-19367	39	163	by	by	ADP
blsr-19367	39	164	and	and	CCONJ
blsr-19367	39	165	large	large	ADJ
blsr-19367	39	166	,	,	PUNCT
blsr-19367	39	167	this	this	PRON
blsr-19367	39	168	indicates	indicate	VERB
blsr-19367	39	169	that	that	SCONJ
blsr-19367	39	170	“	"	PUNCT
blsr-19367	39	171	regular	regular	ADJ
blsr-19367	39	172	homes	home	NOUN
blsr-19367	39	173	in	in	ADP
blsr-19367	39	174	some	some	DET
blsr-19367	39	175	parts	part	NOUN
blsr-19367	39	176	of	of	ADP
blsr-19367	39	177	the	the	DET
blsr-19367	39	178	country	country	NOUN
blsr-19367	39	179	are	be	AUX
blsr-19367	39	180	now	now	ADV
blsr-19367	39	181	viewed	view	VERB
blsr-19367	39	182	by	by	ADP
blsr-19367	39	183	the	the	DET
blsr-19367	39	184	insurance	insurance	NOUN
blsr-19367	39	185	industry	industry	NOUN
blsr-19367	39	186	as	as	ADP
blsr-19367	39	187	the	the	DET
blsr-19367	39	188	equivalent	equivalent	NOUN
blsr-19367	39	189	of	of	ADP
blsr-19367	39	190	a	a	DET
blsr-19367	39	191	fireworks	firework	NOUN
blsr-19367	39	192	factory	factory	NOUN
blsr-19367	39	193	.	.	PUNCT
blsr-19367	39	194	”3	”3	PUNCT
blsr-19367	39	195	as	as	ADP
blsr-19367	39	196	with	with	ADP
blsr-19367	39	197	insurers	insurer	NOUN
blsr-19367	39	198	of	of	ADP
blsr-19367	39	199	last	last	ADJ
blsr-19367	39	200	resort	resort	NOUN
blsr-19367	39	201	,	,	PUNCT
blsr-19367	39	202	lightly	lightly	ADV
blsr-19367	39	203	regulated	regulate	VERB
blsr-19367	39	204	home	home	NOUN
blsr-19367	39	205	insurance	insurance	NOUN
blsr-19367	39	206	has	have	VERB
blsr-19367	39	207	a	a	DET
blsr-19367	39	208	host	host	NOUN
blsr-19367	39	209	of	of	ADP
blsr-19367	39	210	issues	issue	NOUN
blsr-19367	39	211	,	,	PUNCT
blsr-19367	39	212	the	the	DET
blsr-19367	39	213	main	main	ADJ
blsr-19367	39	214	one	one	NOUN
blsr-19367	39	215	being	be	AUX
blsr-19367	39	216	its	its	PRON
blsr-19367	39	217	extremely	extremely	ADV
blsr-19367	39	218	high	high	ADJ
blsr-19367	39	219	risk	risk	NOUN
blsr-19367	39	220	.	.	PUNCT
blsr-19367	40	1	first	first	ADV
blsr-19367	40	2	,	,	PUNCT
blsr-19367	40	3	non	non	ADJ
blsr-19367	40	4	-	-	ADJ
blsr-19367	40	5	admitted	admit	VERB
blsr-19367	40	6	insurance	insurance	NOUN
blsr-19367	40	7	is	be	AUX
blsr-19367	40	8	not	not	PART
blsr-19367	40	9	regulated	regulate	VERB
blsr-19367	40	10	by	by	ADP
blsr-19367	40	11	the	the	DET
blsr-19367	40	12	states	state	NOUN
blsr-19367	40	13	and	and	CCONJ
blsr-19367	40	14	,	,	PUNCT
blsr-19367	40	15	thus	thus	ADV
blsr-19367	40	16	,	,	PUNCT
blsr-19367	40	17	not	not	PART
blsr-19367	40	18	subject	subject	ADJ
blsr-19367	40	19	to	to	ADP
blsr-19367	40	20	the	the	DET
blsr-19367	40	21	same	same	ADJ
blsr-19367	40	22	quality	quality	NOUN
blsr-19367	40	23	monitoring	monitoring	NOUN
blsr-19367	40	24	and	and	CCONJ
blsr-19367	40	25	contract	contract	NOUN
blsr-19367	40	26	review	review	NOUN
blsr-19367	40	27	as	as	ADP
blsr-19367	40	28	traditional	traditional	ADJ
blsr-19367	40	29	insurance	insurance	NOUN
blsr-19367	40	30	or	or	CCONJ
blsr-19367	40	31	insurers	insurer	NOUN
blsr-19367	40	32	of	of	ADP
blsr-19367	40	33	last	last	ADJ
blsr-19367	40	34	resort.3	resort.3	NOUN
blsr-19367	40	35	this	this	PRON
blsr-19367	40	36	gives	give	VERB
blsr-19367	40	37	them	they	PRON
blsr-19367	40	38	“	"	PUNCT
blsr-19367	40	39	more	more	ADJ
blsr-19367	40	40	flexibility	flexibility	NOUN
blsr-19367	40	41	to	to	PART
blsr-19367	40	42	raise	raise	VERB
blsr-19367	40	43	prices	price	NOUN
blsr-19367	40	44	and	and	CCONJ
blsr-19367	40	45	tailor	tailor	NOUN
blsr-19367	40	46	coverage	coverage	NOUN
blsr-19367	40	47	.	.	PUNCT
blsr-19367	40	48	”3	”3	PUNCT
blsr-19367	41	1	indeed	indeed	ADV
blsr-19367	41	2	,	,	PUNCT
blsr-19367	41	3	this	this	DET
blsr-19367	41	4	flexibility	flexibility	NOUN
blsr-19367	41	5	,	,	PUNCT
blsr-19367	41	6	if	if	SCONJ
blsr-19367	41	7	it	it	PRON
blsr-19367	41	8	has	have	VERB
blsr-19367	41	9	n’t	not	PART
blsr-19367	41	10	already	already	ADV
blsr-19367	41	11	,	,	PUNCT
blsr-19367	41	12	will	will	AUX
blsr-19367	41	13	lead	lead	VERB
blsr-19367	41	14	them	they	PRON
blsr-19367	41	15	to	to	PART
blsr-19367	41	16	take	take	VERB
blsr-19367	41	17	advantage	advantage	NOUN
blsr-19367	41	18	of	of	ADP
blsr-19367	41	19	policyholders	policyholder	NOUN
blsr-19367	41	20	.	.	PUNCT
blsr-19367	42	1	if	if	SCONJ
blsr-19367	42	2	such	such	ADJ
blsr-19367	42	3	flexibility	flexibility	NOUN
blsr-19367	42	4	is	be	AUX
blsr-19367	42	5	left	leave	VERB
blsr-19367	42	6	unchecked	unchecked	ADJ
blsr-19367	42	7	,	,	PUNCT
blsr-19367	42	8	it	it	PRON
blsr-19367	42	9	will	will	AUX
blsr-19367	42	10	only	only	ADV
blsr-19367	42	11	grow	grow	VERB
blsr-19367	42	12	larger	large	ADJ
blsr-19367	42	13	,	,	PUNCT
blsr-19367	42	14	causing	cause	VERB
blsr-19367	42	15	these	these	DET
blsr-19367	42	16	companies	company	NOUN
blsr-19367	42	17	to	to	PART
blsr-19367	42	18	inflict	inflict	VERB
blsr-19367	42	19	even	even	ADV
blsr-19367	42	20	greater	great	ADJ
blsr-19367	42	21	harm	harm	NOUN
blsr-19367	42	22	on	on	ADP
blsr-19367	42	23	those	those	PRON
blsr-19367	42	24	that	that	PRON
blsr-19367	42	25	they	they	PRON
blsr-19367	42	26	were	be	AUX
blsr-19367	42	27	meant	mean	VERB
blsr-19367	42	28	to	to	PART
blsr-19367	42	29	help	help	VERB
blsr-19367	42	30	.	.	PUNCT
blsr-19367	43	1	next	next	ADV
blsr-19367	43	2	,	,	PUNCT
blsr-19367	43	3	perhaps	perhaps	ADV
blsr-19367	43	4	the	the	DET
blsr-19367	43	5	largest	large	ADJ
blsr-19367	43	6	weakness	weakness	NOUN
blsr-19367	43	7	for	for	ADP
blsr-19367	43	8	the	the	DET
blsr-19367	43	9	non	non	ADJ
blsr-19367	43	10	-	-	ADJ
blsr-19367	43	11	admitted	admit	VERB
blsr-19367	43	12	insurance	insurance	NOUN
blsr-19367	43	13	market	market	NOUN
blsr-19367	43	14	,	,	PUNCT
blsr-19367	43	15	and	and	CCONJ
blsr-19367	43	16	what	what	PRON
blsr-19367	43	17	distinguishes	distinguish	VERB
blsr-19367	43	18	it	it	PRON
blsr-19367	43	19	from	from	ADP
blsr-19367	43	20	all	all	DET
blsr-19367	43	21	other	other	ADJ
blsr-19367	43	22	options	option	NOUN
blsr-19367	43	23	,	,	PUNCT
blsr-19367	43	24	is	be	AUX
blsr-19367	43	25	its	its	PRON
blsr-19367	43	26	lack	lack	NOUN
blsr-19367	43	27	of	of	ADP
blsr-19367	43	28	a	a	DET
blsr-19367	43	29	guaranty	guaranty	NOUN
blsr-19367	43	30	fund.3	fund.3	ADP
blsr-19367	43	31	this	this	PRON
blsr-19367	43	32	means	mean	VERB
blsr-19367	43	33	that	that	SCONJ
blsr-19367	43	34	if	if	SCONJ
blsr-19367	43	35	a	a	DET
blsr-19367	43	36	non	non	ADJ
blsr-19367	43	37	-	-	ADJ
blsr-19367	43	38	admitted	admit	VERB
blsr-19367	43	39	insurance	insurance	NOUN
blsr-19367	43	40	company	company	NOUN
blsr-19367	43	41	were	be	AUX
blsr-19367	43	42	to	to	PART
blsr-19367	43	43	go	go	VERB
blsr-19367	43	44	bankrupt	bankrupt	ADJ
blsr-19367	43	45	,	,	PUNCT
blsr-19367	43	46	policyholders	policyholder	NOUN
blsr-19367	43	47	would	would	AUX
blsr-19367	43	48	never	never	ADV
blsr-19367	43	49	have	have	VERB
blsr-19367	43	50	their	their	PRON
blsr-19367	43	51	claims	claim	NOUN
blsr-19367	43	52	paid	pay	VERB
blsr-19367	43	53	,	,	PUNCT
blsr-19367	43	54	ultimately	ultimately	ADV
blsr-19367	43	55	leaving	leave	VERB
blsr-19367	43	56	them	they	PRON
blsr-19367	43	57	“	"	PUNCT
blsr-19367	43	58	on	on	ADP
blsr-19367	43	59	their	their	PRON
blsr-19367	43	60	own	own	ADJ
blsr-19367	43	61	to	to	PART
blsr-19367	43	62	replace	replace	VERB
blsr-19367	43	63	everything	everything	PRON
blsr-19367	43	64	.	.	PUNCT
blsr-19367	43	65	”3	”3	PUNCT
blsr-19367	44	1	such	such	DET
blsr-19367	44	2	a	a	DET
blsr-19367	44	3	possibility	possibility	NOUN
blsr-19367	44	4	becomes	become	VERB
blsr-19367	44	5	even	even	ADV
blsr-19367	44	6	more	more	ADV
blsr-19367	44	7	scary	scary	ADJ
blsr-19367	44	8	when	when	SCONJ
blsr-19367	44	9	considering	consider	VERB
blsr-19367	44	10	the	the	DET
blsr-19367	44	11	financial	financial	ADJ
blsr-19367	44	12	vulnerability	vulnerability	NOUN
blsr-19367	44	13	of	of	ADP
blsr-19367	44	14	non	non	ADJ
blsr-19367	44	15	-	-	ADJ
blsr-19367	44	16	admitted	admit	VERB
blsr-19367	44	17	insurance	insurance	NOUN
blsr-19367	44	18	companies	company	NOUN
blsr-19367	44	19	,	,	PUNCT
blsr-19367	44	20	which	which	PRON
blsr-19367	44	21	can	can	AUX
blsr-19367	44	22	be	be	AUX
blsr-19367	44	23	analyzed	analyze	VERB
blsr-19367	44	24	using	use	VERB
blsr-19367	44	25	a	a	DET
blsr-19367	44	26	metric	metric	ADJ
blsr-19367	44	27	known	know	VERB
blsr-19367	44	28	as	as	ADP
blsr-19367	44	29	the	the	DET
blsr-19367	44	30	risk	risk	NOUN
blsr-19367	44	31	-	-	PUNCT
blsr-19367	44	32	based	base	VERB
blsr-19367	44	33	capital	capital	NOUN
blsr-19367	44	34	ratio.3	ratio.3	VERB
blsr-19367	44	35	this	this	DET
blsr-19367	44	36	ratio	ratio	NOUN
blsr-19367	44	37	,	,	PUNCT
blsr-19367	44	38	which	which	PRON
blsr-19367	44	39	is	be	AUX
blsr-19367	44	40	used	use	VERB
blsr-19367	44	41	by	by	ADP
blsr-19367	44	42	regulators	regulator	NOUN
blsr-19367	44	43	to	to	PART
blsr-19367	44	44	evaluate	evaluate	VERB
blsr-19367	44	45	an	an	DET
blsr-19367	44	46	insurer	insurer	NOUN
blsr-19367	44	47	’s	’s	PART
blsr-19367	44	48	financial	financial	ADJ
blsr-19367	44	49	health	health	NOUN
blsr-19367	44	50	,	,	PUNCT
blsr-19367	44	51	“	"	PUNCT
blsr-19367	44	52	demonstrates	demonstrate	VERB
blsr-19367	44	53	whether	whether	SCONJ
blsr-19367	44	54	a	a	DET
blsr-19367	44	55	company	company	NOUN
blsr-19367	44	56	has	have	VERB
blsr-19367	44	57	enough	enough	ADJ
blsr-19367	44	58	money	money	NOUN
blsr-19367	44	59	to	to	PART
blsr-19367	44	60	meet	meet	VERB
blsr-19367	44	61	potential	potential	ADJ
blsr-19367	44	62	financial	financial	ADJ
blsr-19367	44	63	obligations	obligation	NOUN
blsr-19367	44	64	,	,	PUNCT
blsr-19367	44	65	like	like	ADP
blsr-19367	44	66	claims	claim	NOUN
blsr-19367	44	67	after	after	ADP
blsr-19367	44	68	a	a	DET
blsr-19367	44	69	big	big	ADJ
blsr-19367	44	70	storm	storm	NOUN
blsr-19367	44	71	.	.	PUNCT
blsr-19367	44	72	”3	”3	PUNCT
blsr-19367	44	73	a	a	DET
blsr-19367	44	74	low	low	ADJ
blsr-19367	44	75	ratio	ratio	NOUN
blsr-19367	44	76	,	,	PUNCT
blsr-19367	44	77	which	which	PRON
blsr-19367	44	78	is	be	AUX
blsr-19367	44	79	common	common	ADJ
blsr-19367	44	80	among	among	ADP
blsr-19367	44	81	non	non	ADJ
blsr-19367	44	82	-	-	ADJ
blsr-19367	44	83	admitted	admit	VERB
blsr-19367	44	84	insurers	insurer	NOUN
blsr-19367	44	85	,	,	PUNCT
blsr-19367	44	86	indicates	indicate	VERB
blsr-19367	44	87	that	that	SCONJ
blsr-19367	44	88	“	"	PUNCT
blsr-19367	44	89	the	the	DET
blsr-19367	44	90	company	company	NOUN
blsr-19367	44	91	might	might	AUX
blsr-19367	44	92	not	not	PART
blsr-19367	44	93	have	have	VERB
blsr-19367	44	94	enough	enough	ADJ
blsr-19367	44	95	capital	capital	NOUN
blsr-19367	44	96	on	on	ADP
blsr-19367	44	97	hand	hand	NOUN
blsr-19367	44	98	considering	consider	VERB
blsr-19367	44	99	the	the	DET
blsr-19367	44	100	risk	risk	NOUN
blsr-19367	44	101	they	they	PRON
blsr-19367	44	102	’ve	’ve	AUX
blsr-19367	44	103	absorbed	absorb	VERB
blsr-19367	44	104	.	.	PUNCT
blsr-19367	44	105	”3	”3	PUNCT
blsr-19367	45	1	kin	kin	PROPN
blsr-19367	45	2	,	,	PUNCT
blsr-19367	45	3	topa	topa	NOUN
blsr-19367	45	4	,	,	PUNCT
blsr-19367	45	5	and	and	CCONJ
blsr-19367	45	6	orion180	orion180	PROPN
blsr-19367	45	7	,	,	PUNCT
blsr-19367	45	8	three	three	NUM
blsr-19367	45	9	non	non	ADJ
blsr-19367	45	10	-	-	ADJ
blsr-19367	45	11	admitted	admit	VERB
blsr-19367	45	12	insurers	insurer	NOUN
blsr-19367	45	13	that	that	PRON
blsr-19367	45	14	were	be	AUX
blsr-19367	45	15	part	part	NOUN
blsr-19367	45	16	of	of	ADP
blsr-19367	45	17	an	an	DET
blsr-19367	45	18	analysis	analysis	NOUN
blsr-19367	45	19	conducted	conduct	VERB
blsr-19367	45	20	by	by	ADP
blsr-19367	45	21	33	33	NUM
blsr-19367	45	22	bloomberg	bloomberg	NOUN
blsr-19367	45	23	in	in	ADP
blsr-19367	45	24	2023	2023	NUM
blsr-19367	45	25	,	,	PUNCT
blsr-19367	45	26	had	have	VERB
blsr-19367	45	27	risk	risk	NOUN
blsr-19367	45	28	-	-	PUNCT
blsr-19367	45	29	based	base	VERB
blsr-19367	45	30	capital	capital	NOUN
blsr-19367	45	31	ratios	ratio	NOUN
blsr-19367	45	32	of	of	ADP
blsr-19367	45	33	3.3	3.3	NUM
blsr-19367	45	34	,	,	PUNCT
blsr-19367	45	35	3.1	3.1	NUM
blsr-19367	45	36	,	,	PUNCT
blsr-19367	45	37	and	and	CCONJ
blsr-19367	45	38	1.5	1.5	NUM
blsr-19367	45	39	,	,	PUNCT
blsr-19367	45	40	respectively.3	respectively.3	PROPN
blsr-19367	45	41	for	for	ADP
blsr-19367	45	42	reference	reference	NOUN
blsr-19367	45	43	,	,	PUNCT
blsr-19367	45	44	the	the	DET
blsr-19367	45	45	median	median	ADJ
blsr-19367	45	46	risk	risk	NOUN
blsr-19367	45	47	-	-	PUNCT
blsr-19367	45	48	based	base	VERB
blsr-19367	45	49	capital	capital	NOUN
blsr-19367	45	50	ratio	ratio	NOUN
blsr-19367	45	51	of	of	ADP
blsr-19367	45	52	insurance	insurance	NOUN
blsr-19367	45	53	companies	company	NOUN
blsr-19367	45	54	in	in	ADP
blsr-19367	45	55	2023	2023	NUM
blsr-19367	45	56	was	be	AUX
blsr-19367	45	57	10.97.3	10.97.3	NUM
blsr-19367	45	58	moreover	moreover	ADV
blsr-19367	45	59	,	,	PUNCT
blsr-19367	45	60	a	a	DET
blsr-19367	45	61	handful	handful	NOUN
blsr-19367	45	62	of	of	ADP
blsr-19367	45	63	companies	company	NOUN
blsr-19367	45	64	that	that	PRON
blsr-19367	45	65	issue	issue	VERB
blsr-19367	45	66	non	non	ADJ
blsr-19367	45	67	-	-	ADJ
blsr-19367	45	68	admitted	admit	VERB
blsr-19367	45	69	policies	policy	NOUN
blsr-19367	45	70	have	have	AUX
blsr-19367	45	71	not	not	PART
blsr-19367	45	72	obtained	obtain	VERB
blsr-19367	45	73	ratings	rating	NOUN
blsr-19367	45	74	from	from	ADP
blsr-19367	45	75	the	the	DET
blsr-19367	45	76	insurance	insurance	NOUN
blsr-19367	45	77	industry	industry	NOUN
blsr-19367	45	78	’s	’s	PART
blsr-19367	45	79	largest	large	ADJ
blsr-19367	45	80	and	and	CCONJ
blsr-19367	45	81	most	most	ADV
blsr-19367	45	82	respected	respected	ADJ
blsr-19367	45	83	rating	rating	NOUN
blsr-19367	45	84	agency	agency	NOUN
blsr-19367	45	85	,	,	PUNCT
blsr-19367	45	86	am	be	AUX
blsr-19367	45	87	best.3	best.3	ADJ
blsr-19367	45	88	instead	instead	ADV
blsr-19367	45	89	,	,	PUNCT
blsr-19367	45	90	these	these	DET
blsr-19367	45	91	companies	company	NOUN
blsr-19367	45	92	rely	rely	VERB
blsr-19367	45	93	on	on	ADP
blsr-19367	45	94	ratings	rating	NOUN
blsr-19367	45	95	from	from	ADP
blsr-19367	45	96	demotech	demotech	NOUN
blsr-19367	45	97	,	,	PUNCT
blsr-19367	45	98	an	an	DET
blsr-19367	45	99	agency	agency	NOUN
blsr-19367	45	100	whose	whose	DET
blsr-19367	45	101	ratings	rating	NOUN
blsr-19367	45	102	“	"	PUNCT
blsr-19367	45	103	are	be	AUX
blsr-19367	45	104	viewed	view	VERB
blsr-19367	45	105	much	much	ADV
blsr-19367	45	106	more	more	ADV
blsr-19367	45	107	skeptically	skeptically	ADV
blsr-19367	45	108	by	by	ADP
blsr-19367	45	109	brokers	broker	NOUN
blsr-19367	45	110	and	and	CCONJ
blsr-19367	45	111	insurance	insurance	NOUN
blsr-19367	45	112	experts	expert	NOUN
blsr-19367	45	113	because	because	SCONJ
blsr-19367	45	114	they	they	PRON
blsr-19367	45	115	rarely	rarely	ADV
blsr-19367	45	116	hand	hand	VERB
blsr-19367	45	117	out	out	ADP
blsr-19367	45	118	anything	anything	PRON
blsr-19367	45	119	other	other	ADJ
blsr-19367	45	120	than	than	ADP
blsr-19367	45	121	an	an	DET
blsr-19367	45	122	a.	a.	NOUN
blsr-19367	45	123	”3	”3	NOUN
blsr-19367	45	124	an	an	DET
blsr-19367	45	125	a	a	NOUN
blsr-19367	45	126	,	,	PUNCT
blsr-19367	45	127	according	accord	VERB
blsr-19367	45	128	to	to	ADP
blsr-19367	45	129	demotech	demotech	PROPN
blsr-19367	45	130	’s	’s	PART
blsr-19367	45	131	website	website	NOUN
blsr-19367	45	132	,	,	PUNCT
blsr-19367	45	133	indicates	indicate	VERB
blsr-19367	45	134	that	that	SCONJ
blsr-19367	45	135	the	the	DET
blsr-19367	45	136	insurer	insurer	NOUN
blsr-19367	45	137	has	have	VERB
blsr-19367	45	138	“	"	PUNCT
blsr-19367	45	139	exceptional	exceptional	ADJ
blsr-19367	45	140	financial	financial	ADJ
blsr-19367	45	141	stability	stability	NOUN
blsr-19367	45	142	.	.	PUNCT
blsr-19367	46	1	”22	”22	PROPN
blsr-19367	46	2	as	as	SCONJ
blsr-19367	46	3	explained	explain	VERB
blsr-19367	46	4	above	above	ADV
blsr-19367	46	5	,	,	PUNCT
blsr-19367	46	6	however	however	ADV
blsr-19367	46	7	,	,	PUNCT
blsr-19367	46	8	this	this	PRON
blsr-19367	46	9	is	be	AUX
blsr-19367	46	10	not	not	PART
blsr-19367	46	11	often	often	ADV
blsr-19367	46	12	the	the	DET
blsr-19367	46	13	case	case	NOUN
blsr-19367	46	14	.	.	PUNCT
blsr-19367	47	1	for	for	ADP
blsr-19367	47	2	example	example	NOUN
blsr-19367	47	3	,	,	PUNCT
blsr-19367	47	4	kin	kin	PROPN
blsr-19367	47	5	and	and	CCONJ
blsr-19367	47	6	orion180	orion180	PROPN
blsr-19367	47	7	,	,	PUNCT
blsr-19367	47	8	two	two	NUM
blsr-19367	47	9	non	non	ADJ
blsr-19367	47	10	-	-	ADJ
blsr-19367	47	11	admitted	admit	VERB
blsr-19367	47	12	insurers	insurer	NOUN
blsr-19367	47	13	discussed	discuss	VERB
blsr-19367	47	14	previously	previously	ADV
blsr-19367	47	15	,	,	PUNCT
blsr-19367	47	16	received	receive	VERB
blsr-19367	47	17	an	an	DET
blsr-19367	47	18	a	a	NOUN
blsr-19367	47	19	from	from	ADP
blsr-19367	47	20	demotech.3	demotech.3	NOUN
blsr-19367	47	21	this	this	PRON
blsr-19367	47	22	came	come	VERB
blsr-19367	47	23	despite	despite	SCONJ
blsr-19367	47	24	their	their	PRON
blsr-19367	47	25	low	low	ADJ
blsr-19367	47	26	risk	risk	NOUN
blsr-19367	47	27	-	-	PUNCT
blsr-19367	47	28	based	base	VERB
blsr-19367	47	29	capital	capital	NOUN
blsr-19367	47	30	ratio	ratio	NOUN
blsr-19367	47	31	of	of	ADP
blsr-19367	47	32	3.3	3.3	NUM
blsr-19367	47	33	and	and	CCONJ
blsr-19367	47	34	1.5	1.5	NUM
blsr-19367	47	35	,	,	PUNCT
blsr-19367	47	36	respectively	respectively	ADV
blsr-19367	47	37	.	.	PUNCT
blsr-19367	48	1	last	last	ADJ
blsr-19367	48	2	but	but	CCONJ
blsr-19367	48	3	not	not	PART
blsr-19367	48	4	least	least	ADJ
blsr-19367	48	5	is	be	AUX
blsr-19367	48	6	a	a	DET
blsr-19367	48	7	statistic	statistic	NOUN
blsr-19367	48	8	that	that	PRON
blsr-19367	48	9	pertains	pertain	VERB
blsr-19367	48	10	to	to	ADP
blsr-19367	48	11	florida	florida	PROPN
blsr-19367	48	12	.	.	PUNCT
blsr-19367	49	1	in	in	ADP
blsr-19367	49	2	2021	2021	NUM
blsr-19367	49	3	and	and	CCONJ
blsr-19367	49	4	2022	2022	NUM
blsr-19367	49	5	,	,	PUNCT
blsr-19367	49	6	“	"	PUNCT
blsr-19367	49	7	seven	seven	NUM
blsr-19367	49	8	companies	company	NOUN
blsr-19367	49	9	that	that	PRON
blsr-19367	49	10	had	have	VERB
blsr-19367	49	11	a	a	DET
blsr-19367	49	12	ratings	rating	NOUN
blsr-19367	49	13	from	from	ADP
blsr-19367	49	14	demotech	demotech	NOUN
blsr-19367	49	15	went	go	VERB
blsr-19367	49	16	insolvent	insolvent	ADJ
blsr-19367	49	17	,	,	PUNCT
blsr-19367	49	18	”	"	PUNCT
blsr-19367	49	19	a	a	DET
blsr-19367	49	20	fact	fact	NOUN
blsr-19367	49	21	which	which	PRON
blsr-19367	49	22	further	far	ADV
blsr-19367	49	23	decreases	decrease	VERB
blsr-19367	49	24	the	the	DET
blsr-19367	49	25	rating	rating	NOUN
blsr-19367	49	26	agency	agency	NOUN
blsr-19367	49	27	’s	’s	PART
blsr-19367	49	28	credibility.3	credibility.3	PROPN
blsr-19367	49	29	economic	economic	ADJ
blsr-19367	49	30	analysis	analysis	NOUN
blsr-19367	49	31	further	far	ADV
blsr-19367	49	32	complicating	complicate	VERB
blsr-19367	49	33	this	this	DET
blsr-19367	49	34	matter	matter	NOUN
blsr-19367	49	35	are	be	AUX
blsr-19367	49	36	its	its	PRON
blsr-19367	49	37	economic	economic	ADJ
blsr-19367	49	38	implications	implication	NOUN
blsr-19367	49	39	.	.	PUNCT
blsr-19367	50	1	according	accord	VERB
blsr-19367	50	2	to	to	ADP
blsr-19367	50	3	the	the	DET
blsr-19367	50	4	senate	senate	PROPN
blsr-19367	50	5	budget	budget	PROPN
blsr-19367	50	6	committee	committee	PROPN
blsr-19367	50	7	report	report	NOUN
blsr-19367	50	8	from	from	ADP
blsr-19367	50	9	december	december	PROPN
blsr-19367	50	10	2024	2024	NUM
blsr-19367	50	11	,	,	PUNCT
blsr-19367	50	12	many	many	ADJ
blsr-19367	50	13	experts	expert	NOUN
blsr-19367	50	14	are	be	AUX
blsr-19367	50	15	comparing	compare	VERB
blsr-19367	50	16	the	the	DET
blsr-19367	50	17	“	"	PUNCT
blsr-19367	50	18	climate	climate	NOUN
blsr-19367	50	19	-	-	PUNCT
blsr-19367	50	20	driven	drive	VERB
blsr-19367	50	21	insurance	insurance	NOUN
blsr-19367	50	22	crisis	crisis	NOUN
blsr-19367	50	23	”	"	PUNCT
blsr-19367	50	24	to	to	ADP
blsr-19367	50	25	the	the	DET
blsr-19367	50	26	2007/2008	2007/2008	NUM
blsr-19367	50	27	financial	financial	ADJ
blsr-19367	50	28	crisis	crisis	NOUN
blsr-19367	50	29	,	,	PUNCT
blsr-19367	50	30	even	even	ADV
blsr-19367	50	31	citing	cite	VERB
blsr-19367	50	32	concerns	concern	NOUN
blsr-19367	50	33	that	that	SCONJ
blsr-19367	50	34	it	it	PRON
blsr-19367	50	35	may	may	AUX
blsr-19367	50	36	be	be	AUX
blsr-19367	50	37	worse.63	worse.63	SCONJ
blsr-19367	50	38	this	this	PRON
blsr-19367	50	39	is	be	AUX
blsr-19367	50	40	primarily	primarily	ADV
blsr-19367	50	41	due	due	ADJ
blsr-19367	50	42	to	to	ADP
blsr-19367	50	43	its	its	PRON
blsr-19367	50	44	potential	potential	ADJ
blsr-19367	50	45	effects	effect	NOUN
blsr-19367	50	46	on	on	ADP
blsr-19367	50	47	the	the	DET
blsr-19367	50	48	real	real	ADJ
blsr-19367	50	49	estate	estate	NOUN
blsr-19367	50	50	market	market	NOUN
blsr-19367	50	51	,	,	PUNCT
blsr-19367	50	52	household	household	NOUN
blsr-19367	50	53	wealth	wealth	NOUN
blsr-19367	50	54	,	,	PUNCT
blsr-19367	50	55	tax	tax	NOUN
blsr-19367	50	56	revenues	revenue	NOUN
blsr-19367	50	57	,	,	PUNCT
blsr-19367	50	58	and	and	CCONJ
blsr-19367	50	59	ultimately	ultimately	ADV
blsr-19367	50	60	,	,	PUNCT
blsr-19367	50	61	communities	community	NOUN
blsr-19367	50	62	.	.	PUNCT
blsr-19367	51	1	add	add	VERB
blsr-19367	51	2	this	this	PRON
blsr-19367	51	3	to	to	ADP
blsr-19367	51	4	its	its	PRON
blsr-19367	51	5	current	current	ADJ
blsr-19367	51	6	effects	effect	NOUN
blsr-19367	51	7	on	on	ADP
blsr-19367	51	8	insurance	insurance	NOUN
blsr-19367	51	9	companies	company	NOUN
blsr-19367	51	10	.	.	PUNCT
blsr-19367	52	1	as	as	SCONJ
blsr-19367	52	2	previously	previously	ADV
blsr-19367	52	3	discussed	discuss	VERB
blsr-19367	52	4	,	,	PUNCT
blsr-19367	52	5	the	the	DET
blsr-19367	52	6	upsurge	upsurge	NOUN
blsr-19367	52	7	in	in	ADP
blsr-19367	52	8	climate	climate	NOUN
blsr-19367	52	9	shocks	shock	NOUN
blsr-19367	52	10	has	have	AUX
blsr-19367	52	11	led	lead	VERB
blsr-19367	52	12	many	many	ADJ
blsr-19367	52	13	insurers	insurer	NOUN
blsr-19367	52	14	to	to	PART
blsr-19367	52	15	drop	drop	VERB
blsr-19367	52	16	homeowner	homeowner	NOUN
blsr-19367	52	17	policies	policy	NOUN
blsr-19367	52	18	.	.	PUNCT
blsr-19367	53	1	without	without	ADP
blsr-19367	53	2	homeowners	homeowner	NOUN
blsr-19367	53	3	insurance	insurance	NOUN
blsr-19367	53	4	,	,	PUNCT
blsr-19367	53	5	however	however	ADV
blsr-19367	53	6	,	,	PUNCT
blsr-19367	53	7	one	one	PRON
blsr-19367	53	8	can	can	AUX
blsr-19367	53	9	not	not	PART
blsr-19367	53	10	obtain	obtain	VERB
blsr-19367	53	11	a	a	DET
blsr-19367	53	12	mortgage	mortgage	NOUN
blsr-19367	53	13	,	,	PUNCT
blsr-19367	53	14	ordinarily	ordinarily	ADV
blsr-19367	53	15	a	a	DET
blsr-19367	53	16	prerequisite	prerequisite	NOUN
blsr-19367	53	17	for	for	ADP
blsr-19367	53	18	purchasing	purchase	VERB
blsr-19367	53	19	and	and	CCONJ
blsr-19367	53	20	retaining	retain	VERB
blsr-19367	53	21	a	a	DET
blsr-19367	53	22	home.46	home.46	NOUN
blsr-19367	53	23	as	as	ADP
blsr-19367	53	24	a	a	DET
blsr-19367	53	25	result	result	NOUN
blsr-19367	53	26	,	,	PUNCT
blsr-19367	53	27	there	there	PRON
blsr-19367	53	28	will	will	AUX
blsr-19367	53	29	likely	likely	ADV
blsr-19367	53	30	be	be	AUX
blsr-19367	53	31	fewer	few	ADJ
blsr-19367	53	32	home	home	NOUN
blsr-19367	53	33	buyers	buyer	NOUN
blsr-19367	53	34	in	in	ADP
blsr-19367	53	35	the	the	DET
blsr-19367	53	36	market	market	NOUN
blsr-19367	53	37	,	,	PUNCT
blsr-19367	53	38	causing	cause	VERB
blsr-19367	53	39	property	property	NOUN
blsr-19367	53	40	values	value	NOUN
blsr-19367	53	41	to	to	PART
blsr-19367	53	42	fall.46	fall.46	VERB
blsr-19367	53	43	in	in	ADP
blsr-19367	53	44	fact	fact	NOUN
blsr-19367	53	45	,	,	PUNCT
blsr-19367	53	46	one	one	NUM
blsr-19367	53	47	estimate	estimate	NOUN
blsr-19367	53	48	puts	put	VERB
blsr-19367	53	49	the	the	DET
blsr-19367	53	50	34	34	NUM
blsr-19367	53	51	“	"	PUNCT
blsr-19367	53	52	potential	potential	ADJ
blsr-19367	53	53	reduction	reduction	NOUN
blsr-19367	53	54	in	in	ADP
blsr-19367	53	55	unadjusted	unadjusted	ADJ
blsr-19367	53	56	real	real	ADJ
blsr-19367	53	57	estate	estate	NOUN
blsr-19367	53	58	values	value	NOUN
blsr-19367	53	59	over	over	ADP
blsr-19367	53	60	the	the	DET
blsr-19367	53	61	next	next	ADJ
blsr-19367	53	62	30	30	NUM
blsr-19367	53	63	years	year	NOUN
blsr-19367	53	64	due	due	ADJ
blsr-19367	53	65	to	to	ADP
blsr-19367	53	66	climate	climate	NOUN
blsr-19367	53	67	-	-	PUNCT
blsr-19367	53	68	related	relate	VERB
blsr-19367	53	69	risks	risk	NOUN
blsr-19367	53	70	”	"	PUNCT
blsr-19367	53	71	at	at	ADP
blsr-19367	53	72	$	$	SYM
blsr-19367	53	73	1.47	1.47	NUM
blsr-19367	53	74	trillion.19	trillion.19	NOUN
blsr-19367	53	75	the	the	DET
blsr-19367	53	76	resulting	result	VERB
blsr-19367	53	77	ripple	ripple	ADJ
blsr-19367	53	78	effects	effect	NOUN
blsr-19367	53	79	could	could	AUX
blsr-19367	53	80	be	be	AUX
blsr-19367	53	81	catastrophic	catastrophic	ADJ
blsr-19367	53	82	.	.	PUNCT
blsr-19367	54	1	according	accord	VERB
blsr-19367	54	2	to	to	ADP
blsr-19367	54	3	sean	sean	PROPN
blsr-19367	54	4	becketti	becketti	PROPN
blsr-19367	54	5	,	,	PUNCT
blsr-19367	54	6	the	the	DET
blsr-19367	54	7	former	former	ADJ
blsr-19367	54	8	chief	chief	ADJ
blsr-19367	54	9	economist	economist	NOUN
blsr-19367	54	10	of	of	ADP
blsr-19367	54	11	freddie	freddie	PROPN
blsr-19367	54	12	mac	mac	PROPN
blsr-19367	54	13	,	,	PUNCT
blsr-19367	54	14	“	"	PUNCT
blsr-19367	54	15	a	a	DET
blsr-19367	54	16	large	large	ADJ
blsr-19367	54	17	share	share	NOUN
blsr-19367	54	18	of	of	ADP
blsr-19367	54	19	homeowners	homeowner	NOUN
blsr-19367	54	20	’	'	PUNCT
blsr-19367	54	21	wealth	wealth	NOUN
blsr-19367	54	22	is	be	AUX
blsr-19367	54	23	locked	lock	VERB
blsr-19367	54	24	up	up	ADP
blsr-19367	54	25	in	in	ADP
blsr-19367	54	26	the	the	DET
blsr-19367	54	27	equity	equity	NOUN
blsr-19367	54	28	in	in	ADP
blsr-19367	54	29	their	their	PRON
blsr-19367	54	30	homes	home	NOUN
blsr-19367	54	31	.	.	PUNCT
blsr-19367	55	1	”5	”5	PUNCT
blsr-19367	55	2	thus	thus	ADV
blsr-19367	55	3	,	,	PUNCT
blsr-19367	55	4	“	"	PUNCT
blsr-19367	55	5	if	if	SCONJ
blsr-19367	55	6	homes	home	NOUN
blsr-19367	55	7	become	become	VERB
blsr-19367	55	8	uninsurable	uninsurable	ADJ
blsr-19367	55	9	and	and	CCONJ
blsr-19367	55	10	unmarketable	unmarketable	ADJ
blsr-19367	55	11	,	,	PUNCT
blsr-19367	55	12	[	[	PUNCT
blsr-19367	55	13	their	their	PRON
blsr-19367	55	14	values	value	NOUN
blsr-19367	55	15	]	]	PUNCT
blsr-19367	55	16	will	will	AUX
blsr-19367	55	17	plummet	plummet	VERB
blsr-19367	55	18	,	,	PUNCT
blsr-19367	55	19	”	"	PUNCT
blsr-19367	55	20	as	as	SCONJ
blsr-19367	55	21	will	will	AUX
blsr-19367	55	22	household	household	NOUN
blsr-19367	55	23	wealth.5	wealth.5	PROPN
blsr-19367	55	24	becketti	becketti	NOUN
blsr-19367	55	25	previously	previously	ADV
blsr-19367	55	26	warned	warn	VERB
blsr-19367	55	27	that	that	SCONJ
blsr-19367	55	28	,	,	PUNCT
blsr-19367	55	29	“	"	PUNCT
blsr-19367	55	30	the	the	DET
blsr-19367	55	31	economic	economic	ADJ
blsr-19367	55	32	losses	loss	NOUN
blsr-19367	55	33	and	and	CCONJ
blsr-19367	55	34	social	social	ADJ
blsr-19367	55	35	disruption	disruption	NOUN
blsr-19367	55	36	may	may	AUX
blsr-19367	55	37	happen	happen	VERB
blsr-19367	55	38	gradually	gradually	ADV
blsr-19367	55	39	,	,	PUNCT
blsr-19367	55	40	but	but	CCONJ
blsr-19367	55	41	they	they	PRON
blsr-19367	55	42	are	be	AUX
blsr-19367	55	43	likely	likely	ADJ
blsr-19367	55	44	to	to	PART
blsr-19367	55	45	be	be	AUX
blsr-19367	55	46	greater	great	ADJ
blsr-19367	55	47	in	in	ADP
blsr-19367	55	48	total	total	NOUN
blsr-19367	55	49	than	than	ADP
blsr-19367	55	50	those	those	PRON
blsr-19367	55	51	experienced	experience	VERB
blsr-19367	55	52	in	in	ADP
blsr-19367	55	53	the	the	DET
blsr-19367	55	54	[	[	X
blsr-19367	55	55	2007/2008	2007/2008	NUM
blsr-19367	55	56	financial	financial	ADJ
blsr-19367	55	57	crisis].”63	crisis].”63	NOUN
blsr-19367	55	58	this	this	PRON
blsr-19367	55	59	is	be	AUX
blsr-19367	55	60	because	because	SCONJ
blsr-19367	55	61	the	the	DET
blsr-19367	55	62	current	current	ADJ
blsr-19367	55	63	outlook	outlook	NOUN
blsr-19367	55	64	makes	make	VERB
blsr-19367	55	65	an	an	DET
blsr-19367	55	66	asset	asset	NOUN
blsr-19367	55	67	value	value	NOUN
blsr-19367	55	68	recovery	recovery	NOUN
blsr-19367	55	69	similar	similar	ADJ
blsr-19367	55	70	to	to	ADP
blsr-19367	55	71	that	that	DET
blsr-19367	55	72	experienced	experienced	ADJ
blsr-19367	55	73	post-2008	post-2008	NOUN
blsr-19367	55	74	quite	quite	ADV
blsr-19367	55	75	unlikely	unlikely	ADJ
blsr-19367	55	76	,	,	PUNCT
blsr-19367	55	77	as	as	ADP
blsr-19367	55	78	a	a	DET
blsr-19367	55	79	“	"	PUNCT
blsr-19367	55	80	home	home	NOUN
blsr-19367	55	81	too	too	ADV
blsr-19367	55	82	endangered	endanger	VERB
blsr-19367	55	83	to	to	PART
blsr-19367	55	84	insure	insure	VERB
blsr-19367	55	85	will	will	AUX
blsr-19367	55	86	only	only	ADV
blsr-19367	55	87	become	become	VERB
blsr-19367	55	88	more	more	ADV
blsr-19367	55	89	endangered	endanger	VERB
blsr-19367	55	90	,	,	PUNCT
blsr-19367	55	91	”	"	PUNCT
blsr-19367	55	92	causing	cause	VERB
blsr-19367	55	93	its	its	PRON
blsr-19367	55	94	value	value	NOUN
blsr-19367	55	95	to	to	PART
blsr-19367	55	96	fall	fall	VERB
blsr-19367	55	97	even	even	ADV
blsr-19367	55	98	further.63	further.63	PROPN
blsr-19367	55	99	indeed	indeed	ADV
blsr-19367	55	100	,	,	PUNCT
blsr-19367	55	101	falling	fall	VERB
blsr-19367	55	102	property	property	NOUN
blsr-19367	55	103	values	value	NOUN
blsr-19367	55	104	can	can	AUX
blsr-19367	55	105	also	also	ADV
blsr-19367	55	106	result	result	VERB
blsr-19367	55	107	in	in	ADP
blsr-19367	55	108	smaller	small	ADJ
blsr-19367	55	109	property	property	NOUN
blsr-19367	55	110	tax	tax	NOUN
blsr-19367	55	111	revenues.25	revenues.25	NOUN
blsr-19367	55	112	this	this	PRON
blsr-19367	55	113	leaves	leave	VERB
blsr-19367	55	114	towns	town	NOUN
blsr-19367	55	115	with	with	ADP
blsr-19367	55	116	less	less	ADJ
blsr-19367	55	117	money	money	NOUN
blsr-19367	55	118	to	to	PART
blsr-19367	55	119	fund	fund	VERB
blsr-19367	55	120	critical	critical	ADJ
blsr-19367	55	121	resources	resource	NOUN
blsr-19367	55	122	such	such	ADJ
blsr-19367	55	123	as	as	ADP
blsr-19367	55	124	schools	school	NOUN
blsr-19367	55	125	,	,	PUNCT
blsr-19367	55	126	libraries	library	NOUN
blsr-19367	55	127	,	,	PUNCT
blsr-19367	55	128	police	police	NOUN
blsr-19367	55	129	and	and	CCONJ
blsr-19367	55	130	fire	fire	NOUN
blsr-19367	55	131	departments	department	NOUN
blsr-19367	55	132	,	,	PUNCT
blsr-19367	55	133	and	and	CCONJ
blsr-19367	55	134	road	road	NOUN
blsr-19367	55	135	construction	construction	NOUN
blsr-19367	55	136	and	and	CCONJ
blsr-19367	55	137	repairs.34	repairs.34	NOUN
blsr-19367	55	138	thus	thus	ADV
blsr-19367	55	139	,	,	PUNCT
blsr-19367	55	140	it	it	PRON
blsr-19367	55	141	is	be	AUX
blsr-19367	55	142	only	only	ADV
blsr-19367	55	143	a	a	DET
blsr-19367	55	144	matter	matter	NOUN
blsr-19367	55	145	of	of	ADP
blsr-19367	55	146	time	time	NOUN
blsr-19367	55	147	before	before	SCONJ
blsr-19367	55	148	communities	community	NOUN
blsr-19367	55	149	begin	begin	VERB
blsr-19367	55	150	to	to	PART
blsr-19367	55	151	feel	feel	VERB
blsr-19367	55	152	strained	strain	VERB
blsr-19367	55	153	.	.	PUNCT
blsr-19367	56	1	lastly	lastly	ADV
blsr-19367	56	2	comes	come	VERB
blsr-19367	56	3	the	the	DET
blsr-19367	56	4	effects	effect	NOUN
blsr-19367	56	5	on	on	ADP
blsr-19367	56	6	insurance	insurance	NOUN
blsr-19367	56	7	companies	company	NOUN
blsr-19367	56	8	.	.	PUNCT
blsr-19367	57	1	while	while	SCONJ
blsr-19367	57	2	dropping	drop	VERB
blsr-19367	57	3	homeowners	homeowner	NOUN
blsr-19367	57	4	insurance	insurance	NOUN
blsr-19367	57	5	coverage	coverage	NOUN
blsr-19367	57	6	in	in	ADP
blsr-19367	57	7	areas	area	NOUN
blsr-19367	57	8	susceptible	susceptible	ADJ
blsr-19367	57	9	to	to	ADP
blsr-19367	57	10	climate	climate	NOUN
blsr-19367	57	11	shocks	shock	NOUN
blsr-19367	57	12	may	may	AUX
blsr-19367	57	13	seem	seem	VERB
blsr-19367	57	14	grossly	grossly	ADV
blsr-19367	57	15	unfair	unfair	ADJ
blsr-19367	57	16	and	and	CCONJ
blsr-19367	57	17	wrong	wrong	ADJ
blsr-19367	57	18	to	to	ADP
blsr-19367	57	19	some	some	PRON
blsr-19367	57	20	,	,	PUNCT
blsr-19367	57	21	others	other	NOUN
blsr-19367	57	22	argue	argue	VERB
blsr-19367	57	23	it	it	PRON
blsr-19367	57	24	is	be	AUX
blsr-19367	57	25	necessary	necessary	ADJ
blsr-19367	57	26	if	if	SCONJ
blsr-19367	57	27	private	private	ADJ
blsr-19367	57	28	insurers	insurer	NOUN
blsr-19367	57	29	want	want	VERB
blsr-19367	57	30	to	to	PART
blsr-19367	57	31	remain	remain	VERB
blsr-19367	57	32	solvent	solvent	ADJ
blsr-19367	57	33	.	.	PUNCT
blsr-19367	58	1	the	the	DET
blsr-19367	58	2	impending	impending	ADJ
blsr-19367	58	3	solvency	solvency	NOUN
blsr-19367	58	4	crisis	crisis	NOUN
blsr-19367	58	5	can	can	AUX
blsr-19367	58	6	be	be	AUX
blsr-19367	58	7	illustrated	illustrate	VERB
blsr-19367	58	8	using	use	VERB
blsr-19367	58	9	state	state	NOUN
blsr-19367	58	10	farm	farm	NOUN
blsr-19367	58	11	as	as	ADP
blsr-19367	58	12	an	an	DET
blsr-19367	58	13	example	example	NOUN
blsr-19367	58	14	.	.	PUNCT
blsr-19367	59	1	in	in	ADP
blsr-19367	59	2	february	february	PROPN
blsr-19367	59	3	2025	2025	NUM
blsr-19367	59	4	alone	alone	ADV
blsr-19367	59	5	,	,	PUNCT
blsr-19367	59	6	state	state	NOUN
blsr-19367	59	7	farm	farm	NOUN
blsr-19367	59	8	had	have	VERB
blsr-19367	59	9	to	to	PART
blsr-19367	59	10	pay	pay	VERB
blsr-19367	59	11	out	out	ADP
blsr-19367	59	12	approximately	approximately	ADV
blsr-19367	59	13	$	$	SYM
blsr-19367	59	14	1.75	1.75	NUM
blsr-19367	59	15	billion	billion	NUM
blsr-19367	59	16	to	to	ADP
blsr-19367	59	17	claims	claim	NOUN
blsr-19367	59	18	related	relate	VERB
blsr-19367	59	19	to	to	ADP
blsr-19367	59	20	the	the	DET
blsr-19367	59	21	los	los	PROPN
blsr-19367	59	22	angeles	angeles	PROPN
blsr-19367	59	23	wildfires.47	wildfires.47	PROPN
blsr-19367	59	24	this	this	PRON
blsr-19367	59	25	came	come	VERB
blsr-19367	59	26	after	after	SCONJ
blsr-19367	59	27	the	the	DET
blsr-19367	59	28	company	company	NOUN
blsr-19367	59	29	’s	’s	PART
blsr-19367	59	30	2023	2023	NUM
blsr-19367	59	31	warning	warning	NOUN
blsr-19367	59	32	to	to	ADP
blsr-19367	59	33	california	california	PROPN
blsr-19367	59	34	officials	official	NOUN
blsr-19367	59	35	that	that	SCONJ
blsr-19367	59	36	they	they	PRON
blsr-19367	59	37	were	be	AUX
blsr-19367	59	38	struggling	struggle	VERB
blsr-19367	59	39	financially	financially	ADV
blsr-19367	59	40	,	,	PUNCT
blsr-19367	59	41	evidenced	evidence	VERB
blsr-19367	59	42	by	by	ADP
blsr-19367	59	43	their	their	PRON
blsr-19367	59	44	rating	rating	NOUN
blsr-19367	59	45	downgrade	downgrade	NOUN
blsr-19367	59	46	the	the	DET
blsr-19367	59	47	same	same	ADJ
blsr-19367	59	48	year.47	year.47	NOUN
blsr-19367	59	49	as	as	ADP
blsr-19367	59	50	a	a	DET
blsr-19367	59	51	result	result	NOUN
blsr-19367	59	52	of	of	ADP
blsr-19367	59	53	the	the	DET
blsr-19367	59	54	wildfires	wildfire	NOUN
blsr-19367	59	55	,	,	PUNCT
blsr-19367	59	56	state	state	NOUN
blsr-19367	59	57	farm	farm	NOUN
blsr-19367	59	58	estimates	estimate	VERB
blsr-19367	59	59	its	its	PRON
blsr-19367	59	60	direct	direct	ADJ
blsr-19367	59	61	losses	loss	NOUN
blsr-19367	59	62	to	to	PART
blsr-19367	59	63	be	be	AUX
blsr-19367	59	64	$	$	SYM
blsr-19367	59	65	7.6	7.6	NUM
blsr-19367	59	66	billion	billion	NUM
blsr-19367	59	67	,	,	PUNCT
blsr-19367	59	68	$	$	SYM
blsr-19367	59	69	612	612	NUM
blsr-19367	59	70	million	million	NUM
blsr-19367	59	71	of	of	ADP
blsr-19367	59	72	which	which	PRON
blsr-19367	59	73	will	will	AUX
blsr-19367	59	74	be	be	AUX
blsr-19367	59	75	retained	retain	VERB
blsr-19367	59	76	(	(	PUNCT
blsr-19367	59	77	after	after	ADP
blsr-19367	59	78	accounting	account	VERB
blsr-19367	59	79	for	for	ADP
blsr-19367	59	80	reinsurance	reinsurance	NOUN
blsr-19367	59	81	and	and	CCONJ
blsr-19367	59	82	fair	fair	ADJ
blsr-19367	59	83	plan	plan	NOUN
blsr-19367	59	84	contribution).62	contribution).62	VERB
blsr-19367	59	85	the	the	DET
blsr-19367	59	86	company	company	NOUN
blsr-19367	59	87	’s	’s	PART
blsr-19367	59	88	surplus	surplus	NOUN
blsr-19367	59	89	,	,	PUNCT
blsr-19367	59	90	“	"	PUNCT
blsr-19367	59	91	which	which	PRON
blsr-19367	59	92	35	35	NUM
blsr-19367	59	93	stood	stand	VERB
blsr-19367	59	94	at	at	ADP
blsr-19367	59	95	$	$	SYM
blsr-19367	59	96	1.04	1.04	NUM
blsr-19367	59	97	billion	billion	NUM
blsr-19367	59	98	at	at	ADP
blsr-19367	59	99	the	the	DET
blsr-19367	59	100	end	end	NOUN
blsr-19367	59	101	of	of	ADP
blsr-19367	59	102	2024	2024	NUM
blsr-19367	59	103	,	,	PUNCT
blsr-19367	59	104	”	"	PUNCT
blsr-19367	59	105	is	be	AUX
blsr-19367	59	106	forecasted	forecast	VERB
blsr-19367	59	107	to	to	PART
blsr-19367	59	108	decrease	decrease	VERB
blsr-19367	59	109	by	by	ADP
blsr-19367	59	110	$	$	SYM
blsr-19367	59	111	400	400	NUM
blsr-19367	59	112	million.62	million.62	NOUN
blsr-19367	59	113	looking	look	VERB
blsr-19367	59	114	back	back	ADV
blsr-19367	59	115	on	on	ADP
blsr-19367	59	116	the	the	DET
blsr-19367	59	117	past	past	ADJ
blsr-19367	59	118	decade	decade	NOUN
blsr-19367	59	119	,	,	PUNCT
blsr-19367	59	120	its	its	PRON
blsr-19367	59	121	surplus	surplus	NOUN
blsr-19367	59	122	has	have	AUX
blsr-19367	59	123	declined	decline	VERB
blsr-19367	59	124	by	by	ADP
blsr-19367	59	125	roughly	roughly	ADV
blsr-19367	59	126	$	$	SYM
blsr-19367	59	127	5	5	NUM
blsr-19367	59	128	billion.47	billion.47	PROPN
blsr-19367	59	129	needless	needless	ADJ
blsr-19367	59	130	to	to	PART
blsr-19367	59	131	say	say	VERB
blsr-19367	59	132	,	,	PUNCT
blsr-19367	59	133	this	this	DET
blsr-19367	59	134	surplus	surplus	NOUN
blsr-19367	59	135	,	,	PUNCT
blsr-19367	59	136	given	give	VERB
blsr-19367	59	137	the	the	DET
blsr-19367	59	138	current	current	ADJ
blsr-19367	59	139	outlook	outlook	NOUN
blsr-19367	59	140	,	,	PUNCT
blsr-19367	59	141	will	will	AUX
blsr-19367	59	142	not	not	PART
blsr-19367	59	143	last	last	VERB
blsr-19367	59	144	much	much	ADV
blsr-19367	59	145	longer	long	ADV
blsr-19367	59	146	.	.	PUNCT
blsr-19367	60	1	consequently	consequently	ADV
blsr-19367	60	2	,	,	PUNCT
blsr-19367	60	3	state	state	NOUN
blsr-19367	60	4	farm	farm	NOUN
blsr-19367	60	5	,	,	PUNCT
blsr-19367	60	6	in	in	ADP
blsr-19367	60	7	addition	addition	NOUN
blsr-19367	60	8	to	to	ADP
blsr-19367	60	9	many	many	ADJ
blsr-19367	60	10	other	other	ADJ
blsr-19367	60	11	insurance	insurance	NOUN
blsr-19367	60	12	companies	company	NOUN
blsr-19367	60	13	,	,	PUNCT
blsr-19367	60	14	is	be	AUX
blsr-19367	60	15	going	go	VERB
blsr-19367	60	16	to	to	PART
blsr-19367	60	17	be	be	AUX
blsr-19367	60	18	scrambling	scramble	VERB
blsr-19367	60	19	for	for	ADP
blsr-19367	60	20	funds	fund	NOUN
blsr-19367	60	21	,	,	PUNCT
blsr-19367	60	22	with	with	ADP
blsr-19367	60	23	some	some	DET
blsr-19367	60	24	likely	likely	ADV
blsr-19367	60	25	falling	fall	VERB
blsr-19367	60	26	into	into	ADP
blsr-19367	60	27	bankruptcy	bankruptcy	NOUN
blsr-19367	60	28	.	.	PUNCT
blsr-19367	61	1	legal	legal	ADJ
blsr-19367	61	2	analysis	analysis	NOUN
blsr-19367	61	3	adding	add	VERB
blsr-19367	61	4	even	even	ADV
blsr-19367	61	5	more	more	ADJ
blsr-19367	61	6	complexity	complexity	NOUN
blsr-19367	61	7	to	to	ADP
blsr-19367	61	8	this	this	DET
blsr-19367	61	9	issue	issue	NOUN
blsr-19367	61	10	is	be	AUX
blsr-19367	61	11	the	the	DET
blsr-19367	61	12	legal	legal	ADJ
blsr-19367	61	13	perspective	perspective	NOUN
blsr-19367	61	14	,	,	PUNCT
blsr-19367	61	15	including	include	VERB
blsr-19367	61	16	legislation	legislation	NOUN
blsr-19367	61	17	,	,	PUNCT
blsr-19367	61	18	regulation	regulation	NOUN
blsr-19367	61	19	,	,	PUNCT
blsr-19367	61	20	and	and	CCONJ
blsr-19367	61	21	litigation	litigation	NOUN
blsr-19367	61	22	.	.	PUNCT
blsr-19367	62	1	legislation	legislation	NOUN
blsr-19367	62	2	the	the	DET
blsr-19367	62	3	effects	effect	NOUN
blsr-19367	62	4	of	of	ADP
blsr-19367	62	5	legislation	legislation	NOUN
blsr-19367	62	6	on	on	ADP
blsr-19367	62	7	the	the	DET
blsr-19367	62	8	insurance	insurance	NOUN
blsr-19367	62	9	industry	industry	NOUN
blsr-19367	62	10	are	be	AUX
blsr-19367	62	11	significant	significant	ADJ
blsr-19367	62	12	.	.	PUNCT
blsr-19367	63	1	continuing	continue	VERB
blsr-19367	63	2	with	with	ADP
blsr-19367	63	3	california	california	PROPN
blsr-19367	63	4	as	as	ADP
blsr-19367	63	5	a	a	DET
blsr-19367	63	6	case	case	NOUN
blsr-19367	63	7	for	for	ADP
blsr-19367	63	8	analysis	analysis	NOUN
blsr-19367	63	9	highlights	highlight	NOUN
blsr-19367	63	10	this	this	DET
blsr-19367	63	11	point	point	NOUN
blsr-19367	63	12	.	.	PUNCT
blsr-19367	64	1	in	in	ADP
blsr-19367	64	2	1988	1988	NUM
blsr-19367	64	3	,	,	PUNCT
blsr-19367	64	4	california	california	PROPN
blsr-19367	64	5	voters	voter	NOUN
blsr-19367	64	6	passed	pass	VERB
blsr-19367	64	7	proposition	proposition	NOUN
blsr-19367	64	8	103	103	NUM
blsr-19367	64	9	,	,	PUNCT
blsr-19367	64	10	also	also	ADV
blsr-19367	64	11	known	know	VERB
blsr-19367	64	12	as	as	ADP
blsr-19367	64	13	the	the	DET
blsr-19367	64	14	insurance	insurance	NOUN
blsr-19367	64	15	rate	rate	NOUN
blsr-19367	64	16	reduction	reduction	NOUN
blsr-19367	64	17	and	and	CCONJ
blsr-19367	64	18	reform	reform	NOUN
blsr-19367	64	19	act.41	act.41	ADP
blsr-19367	64	20	its	its	PRON
blsr-19367	64	21	purpose	purpose	NOUN
blsr-19367	64	22	was	be	AUX
blsr-19367	64	23	to	to	PART
blsr-19367	64	24	“	"	PUNCT
blsr-19367	64	25	protect	protect	VERB
blsr-19367	64	26	consumers	consumer	NOUN
blsr-19367	64	27	from	from	ADP
blsr-19367	64	28	arbitrary	arbitrary	ADJ
blsr-19367	64	29	insurance	insurance	NOUN
blsr-19367	64	30	rates	rate	NOUN
blsr-19367	64	31	and	and	CCONJ
blsr-19367	64	32	practices	practice	NOUN
blsr-19367	64	33	,	,	PUNCT
blsr-19367	64	34	to	to	PART
blsr-19367	64	35	encourage	encourage	VERB
blsr-19367	64	36	a	a	DET
blsr-19367	64	37	competitive	competitive	ADJ
blsr-19367	64	38	marketplace	marketplace	NOUN
blsr-19367	64	39	,	,	PUNCT
blsr-19367	64	40	and	and	CCONJ
blsr-19367	64	41	to	to	PART
blsr-19367	64	42	ensure	ensure	VERB
blsr-19367	64	43	that	that	SCONJ
blsr-19367	64	44	insurance	insurance	NOUN
blsr-19367	64	45	is	be	AUX
blsr-19367	64	46	fair	fair	ADJ
blsr-19367	64	47	,	,	PUNCT
blsr-19367	64	48	available	available	ADJ
blsr-19367	64	49	,	,	PUNCT
blsr-19367	64	50	and	and	CCONJ
blsr-19367	64	51	affordable	affordable	ADJ
blsr-19367	64	52	for	for	ADP
blsr-19367	64	53	all	all	DET
blsr-19367	64	54	californians	californian	NOUN
blsr-19367	64	55	.	.	PUNCT
blsr-19367	64	56	”51	”51	PROPN
blsr-19367	64	57	although	although	SCONJ
blsr-19367	64	58	supporters	supporter	NOUN
blsr-19367	64	59	of	of	ADP
blsr-19367	64	60	proposition	proposition	NOUN
blsr-19367	64	61	103	103	NUM
blsr-19367	64	62	call	call	NOUN
blsr-19367	64	63	attention	attention	NOUN
blsr-19367	64	64	to	to	ADP
blsr-19367	64	65	the	the	DET
blsr-19367	64	66	estimated	estimate	VERB
blsr-19367	64	67	$	$	SYM
blsr-19367	64	68	150	150	NUM
blsr-19367	64	69	billion	billion	NUM
blsr-19367	64	70	in	in	ADP
blsr-19367	64	71	premiums	premium	NOUN
blsr-19367	64	72	it	it	PRON
blsr-19367	64	73	has	have	AUX
blsr-19367	64	74	saved	save	VERB
blsr-19367	64	75	californians	californian	NOUN
blsr-19367	64	76	over	over	ADP
blsr-19367	64	77	the	the	DET
blsr-19367	64	78	last	last	ADJ
blsr-19367	64	79	25	25	NUM
blsr-19367	64	80	years	year	NOUN
blsr-19367	64	81	,	,	PUNCT
blsr-19367	64	82	opponents	opponent	NOUN
blsr-19367	64	83	emphasize	emphasize	VERB
blsr-19367	64	84	the	the	DET
blsr-19367	64	85	myriad	myriad	NOUN
blsr-19367	64	86	of	of	ADP
blsr-19367	64	87	problems	problem	NOUN
blsr-19367	64	88	it	it	PRON
blsr-19367	64	89	has	have	AUX
blsr-19367	64	90	created	create	VERB
blsr-19367	64	91	,	,	PUNCT
blsr-19367	64	92	the	the	DET
blsr-19367	64	93	first	first	ADJ
blsr-19367	64	94	one	one	NUM
blsr-19367	64	95	being	be	AUX
blsr-19367	64	96	the	the	DET
blsr-19367	64	97	mass	mass	ADJ
blsr-19367	64	98	exodus	exodus	NOUN
blsr-19367	64	99	of	of	ADP
blsr-19367	64	100	insurers	insurer	NOUN
blsr-19367	64	101	from	from	ADP
blsr-19367	64	102	california	california	PROPN
blsr-19367	64	103	’s	’s	PART
blsr-19367	64	104	market.35	market.35	PROPN
blsr-19367	64	105	opponents	opponent	NOUN
blsr-19367	64	106	argue	argue	VERB
blsr-19367	64	107	that	that	SCONJ
blsr-19367	64	108	this	this	DET
blsr-19367	64	109	exodus	exodus	NOUN
blsr-19367	64	110	is	be	AUX
blsr-19367	64	111	due	due	ADJ
blsr-19367	64	112	to	to	ADP
blsr-19367	64	113	the	the	DET
blsr-19367	64	114	limitations	limitation	NOUN
blsr-19367	64	115	that	that	PRON
blsr-19367	64	116	proposition	proposition	VERB
blsr-19367	64	117	103	103	NUM
blsr-19367	64	118	places	place	NOUN
blsr-19367	64	119	on	on	ADP
blsr-19367	64	120	insurers	insurer	NOUN
blsr-19367	64	121	’	'	PUNCT
blsr-19367	64	122	ability	ability	NOUN
blsr-19367	64	123	to	to	PART
blsr-19367	64	124	price	price	VERB
blsr-19367	64	125	their	their	PRON
blsr-19367	64	126	homeowners	homeowner	NOUN
blsr-19367	64	127	insurance	insurance	NOUN
blsr-19367	64	128	policies	policy	NOUN
blsr-19367	64	129	in	in	ADP
blsr-19367	64	130	a	a	DET
blsr-19367	64	131	way	way	NOUN
blsr-19367	64	132	that	that	SCONJ
blsr-19367	64	133	“	"	PUNCT
blsr-19367	64	134	appropriately	appropriately	ADV
blsr-19367	64	135	[	[	X
blsr-19367	64	136	accounts	account	NOUN
blsr-19367	64	137	]	]	PUNCT
blsr-19367	64	138	for	for	ADP
blsr-19367	64	139	the	the	DET
blsr-19367	64	140	risks	risk	NOUN
blsr-19367	64	141	[	[	X
blsr-19367	64	142	they	they	PRON
blsr-19367	64	143	]	]	AUX
blsr-19367	64	144	are	be	AUX
blsr-19367	64	145	protecting	protect	VERB
blsr-19367	64	146	against	against	ADP
blsr-19367	64	147	.	.	PUNCT
blsr-19367	65	1	”35	”35	PROPN
blsr-19367	65	2	the	the	DET
blsr-19367	65	3	data	data	NOUN
blsr-19367	65	4	speaks	speak	VERB
blsr-19367	65	5	for	for	ADP
blsr-19367	65	6	itself	itself	PRON
blsr-19367	65	7	:	:	PUNCT
blsr-19367	65	8	an	an	DET
blsr-19367	65	9	analysis	analysis	NOUN
blsr-19367	65	10	conducted	conduct	VERB
blsr-19367	65	11	by	by	ADP
blsr-19367	65	12	the	the	DET
blsr-19367	65	13	california	california	PROPN
blsr-19367	65	14	governor	governor	PROPN
blsr-19367	65	15	’s	’s	PART
blsr-19367	65	16	office	office	NOUN
blsr-19367	65	17	in	in	ADP
blsr-19367	65	18	2024	2024	NUM
blsr-19367	65	19	found	find	VERB
blsr-19367	65	20	that	that	SCONJ
blsr-19367	65	21	“	"	PUNCT
blsr-19367	65	22	the	the	DET
blsr-19367	65	23	average	average	ADJ
blsr-19367	65	24	policy	policy	NOUN
blsr-19367	65	25	for	for	ADP
blsr-19367	65	26	a	a	DET
blsr-19367	65	27	$	$	SYM
blsr-19367	65	28	300,000	300,000	NUM
blsr-19367	65	29	home	home	NOUN
blsr-19367	65	30	in	in	ADP
blsr-19367	65	31	california	california	PROPN
blsr-19367	65	32	cost	cost	VERB
blsr-19367	65	33	$	$	SYM
blsr-19367	65	34	1,405	1,405	NUM
blsr-19367	65	35	a	a	DET
blsr-19367	65	36	year	year	NOUN
blsr-19367	65	37	,	,	PUNCT
blsr-19367	65	38	compared	compare	VERB
blsr-19367	65	39	with	with	ADP
blsr-19367	65	40	$	$	SYM
blsr-19367	65	41	3,851	3,851	NUM
blsr-19367	65	42	in	in	ADP
blsr-19367	65	43	texas	texas	PROPN
blsr-19367	65	44	and	and	CCONJ
blsr-19367	65	45	$	$	SYM
blsr-19367	65	46	4,419	4,419	NUM
blsr-19367	65	47	in	in	ADP
blsr-19367	65	48	florida	florida	PROPN
blsr-19367	65	49	”	"	PUNCT
blsr-19367	65	50	(	(	PUNCT
blsr-19367	65	51	two	two	NUM
blsr-19367	65	52	states	state	NOUN
blsr-19367	65	53	that	that	PRON
blsr-19367	65	54	also	also	ADV
blsr-19367	65	55	face	face	VERB
blsr-19367	65	56	high	high	ADJ
blsr-19367	65	57	climate	climate	NOUN
blsr-19367	65	58	-	-	PUNCT
blsr-19367	65	59	related	relate	VERB
blsr-19367	65	60	risks).57	risks).57	PROPN
blsr-19367	65	61	it	it	PRON
blsr-19367	65	62	also	also	ADV
blsr-19367	65	63	sits	sit	VERB
blsr-19367	65	64	below	below	ADP
blsr-19367	65	65	the	the	DET
blsr-19367	65	66	national	national	ADJ
blsr-19367	65	67	36	36	NUM
blsr-19367	65	68	average	average	NOUN
blsr-19367	65	69	of	of	ADP
blsr-19367	65	70	$	$	SYM
blsr-19367	65	71	2,601.29	2,601.29	NUM
blsr-19367	65	72	further	far	ADV
blsr-19367	65	73	,	,	PUNCT
blsr-19367	65	74	when	when	SCONJ
blsr-19367	65	75	considering	consider	VERB
blsr-19367	65	76	the	the	DET
blsr-19367	65	77	massive	massive	ADJ
blsr-19367	65	78	losses	loss	NOUN
blsr-19367	65	79	experienced	experience	VERB
blsr-19367	65	80	by	by	ADP
blsr-19367	65	81	insurers	insurer	NOUN
blsr-19367	65	82	,	,	PUNCT
blsr-19367	65	83	due	due	ADJ
blsr-19367	65	84	in	in	ADP
blsr-19367	65	85	large	large	ADJ
blsr-19367	65	86	part	part	NOUN
blsr-19367	65	87	to	to	ADP
blsr-19367	65	88	the	the	DET
blsr-19367	65	89	restrictions	restriction	NOUN
blsr-19367	65	90	imposed	impose	VERB
blsr-19367	65	91	by	by	ADP
blsr-19367	65	92	proposition	proposition	NOUN
blsr-19367	65	93	103	103	NUM
blsr-19367	65	94	,	,	PUNCT
blsr-19367	65	95	the	the	DET
blsr-19367	65	96	reason	reason	NOUN
blsr-19367	65	97	for	for	ADP
blsr-19367	65	98	their	their	PRON
blsr-19367	65	99	exodus	exodus	NOUN
blsr-19367	65	100	becomes	become	VERB
blsr-19367	65	101	even	even	ADV
blsr-19367	65	102	more	more	ADV
blsr-19367	65	103	clear	clear	ADJ
blsr-19367	65	104	:	:	PUNCT
blsr-19367	65	105	“	"	PUNCT
blsr-19367	65	106	in	in	ADP
blsr-19367	65	107	2017	2017	NUM
blsr-19367	65	108	and	and	CCONJ
blsr-19367	65	109	2018	2018	NUM
blsr-19367	65	110	alone	alone	ADV
blsr-19367	65	111	,	,	PUNCT
blsr-19367	65	112	california	california	PROPN
blsr-19367	65	113	homeowners	homeowner	NOUN
blsr-19367	65	114	insurers	insurer	NOUN
blsr-19367	65	115	posted	post	VERB
blsr-19367	65	116	a	a	DET
blsr-19367	65	117	combined	combine	VERB
blsr-19367	65	118	underwriting	underwriting	NOUN
blsr-19367	65	119	loss	loss	NOUN
blsr-19367	65	120	of	of	ADP
blsr-19367	65	121	$	$	SYM
blsr-19367	65	122	20	20	NUM
blsr-19367	65	123	billion	billion	NUM
blsr-19367	65	124	,	,	PUNCT
blsr-19367	65	125	more	more	ADJ
blsr-19367	65	126	than	than	ADP
blsr-19367	65	127	double	double	DET
blsr-19367	65	128	the	the	DET
blsr-19367	65	129	total	total	ADJ
blsr-19367	65	130	combined	combine	VERB
blsr-19367	65	131	underwriting	underwriting	NOUN
blsr-19367	65	132	profit	profit	NOUN
blsr-19367	65	133	of	of	ADP
blsr-19367	65	134	$	$	SYM
blsr-19367	65	135	10	10	NUM
blsr-19367	65	136	billion	billion	NUM
blsr-19367	65	137	that	that	PRON
blsr-19367	65	138	the	the	DET
blsr-19367	65	139	state	state	NOUN
blsr-19367	65	140	’s	’s	PART
blsr-19367	65	141	homeowners	homeowner	NOUN
blsr-19367	65	142	insurers	insurer	NOUN
blsr-19367	65	143	had	have	AUX
blsr-19367	65	144	generated	generate	VERB
blsr-19367	65	145	from	from	ADP
blsr-19367	65	146	1991	1991	NUM
blsr-19367	65	147	to	to	ADP
blsr-19367	65	148	2016.”41	2016.”41	NUM
blsr-19367	65	149	undoubtedly	undoubtedly	ADV
blsr-19367	65	150	,	,	PUNCT
blsr-19367	65	151	the	the	DET
blsr-19367	65	152	limits	limit	NOUN
blsr-19367	65	153	imposed	impose	VERB
blsr-19367	65	154	by	by	ADP
blsr-19367	65	155	proposition	proposition	NOUN
blsr-19367	65	156	103	103	NUM
blsr-19367	65	157	also	also	ADV
blsr-19367	65	158	send	send	VERB
blsr-19367	65	159	the	the	DET
blsr-19367	65	160	wrong	wrong	ADJ
blsr-19367	65	161	signal	signal	NOUN
blsr-19367	65	162	to	to	ADP
blsr-19367	65	163	both	both	DET
blsr-19367	65	164	homebuyers	homebuyer	NOUN
blsr-19367	65	165	and	and	CCONJ
blsr-19367	65	166	contractors	contractor	NOUN
blsr-19367	65	167	.	.	PUNCT
blsr-19367	66	1	as	as	ADP
blsr-19367	66	2	a	a	DET
blsr-19367	66	3	spokesperson	spokesperson	NOUN
blsr-19367	66	4	for	for	ADP
blsr-19367	66	5	the	the	DET
blsr-19367	66	6	american	american	PROPN
blsr-19367	66	7	property	property	PROPN
blsr-19367	66	8	casualty	casualty	PROPN
blsr-19367	66	9	insurance	insurance	NOUN
blsr-19367	66	10	corporation	corporation	NOUN
blsr-19367	66	11	put	put	VERB
blsr-19367	66	12	it	it	PRON
blsr-19367	66	13	,	,	PUNCT
blsr-19367	66	14	“	"	PUNCT
blsr-19367	66	15	years	year	NOUN
blsr-19367	66	16	of	of	ADP
blsr-19367	66	17	restrictions	restriction	NOUN
blsr-19367	66	18	on	on	ADP
blsr-19367	66	19	rate	rate	NOUN
blsr-19367	66	20	-	-	PUNCT
blsr-19367	66	21	making	making	NOUN
blsr-19367	66	22	created	create	VERB
blsr-19367	66	23	an	an	DET
blsr-19367	66	24	artificially	artificially	ADV
blsr-19367	66	25	suppressed	suppress	VERB
blsr-19367	66	26	market	market	NOUN
blsr-19367	66	27	that	that	PRON
blsr-19367	66	28	incentivized	incentivize	VERB
blsr-19367	66	29	continued	continued	ADJ
blsr-19367	66	30	population	population	NOUN
blsr-19367	66	31	growth	growth	NOUN
blsr-19367	66	32	in	in	ADP
blsr-19367	66	33	areas	area	NOUN
blsr-19367	66	34	at	at	ADP
blsr-19367	66	35	high	high	ADJ
blsr-19367	66	36	risk	risk	NOUN
blsr-19367	66	37	for	for	ADP
blsr-19367	66	38	wildfire	wildfire	NOUN
blsr-19367	66	39	and	and	CCONJ
blsr-19367	66	40	then	then	ADV
blsr-19367	66	41	reduced	reduce	VERB
blsr-19367	66	42	consumer	consumer	NOUN
blsr-19367	66	43	options	option	NOUN
blsr-19367	66	44	for	for	ADP
blsr-19367	66	45	insurance	insurance	NOUN
blsr-19367	66	46	.	.	PUNCT
blsr-19367	67	1	”57	”57	PROPN
blsr-19367	67	2	certainly	certainly	ADV
blsr-19367	67	3	,	,	PUNCT
blsr-19367	67	4	without	without	ADP
blsr-19367	67	5	a	a	DET
blsr-19367	67	6	mechanism	mechanism	NOUN
blsr-19367	67	7	to	to	PART
blsr-19367	67	8	change	change	VERB
blsr-19367	67	9	its	its	PRON
blsr-19367	67	10	course	course	NOUN
blsr-19367	67	11	of	of	ADP
blsr-19367	67	12	direction	direction	NOUN
blsr-19367	67	13	,	,	PUNCT
blsr-19367	67	14	the	the	DET
blsr-19367	67	15	market	market	NOUN
blsr-19367	67	16	will	will	AUX
blsr-19367	67	17	maintain	maintain	VERB
blsr-19367	67	18	its	its	PRON
blsr-19367	67	19	troublesome	troublesome	ADJ
blsr-19367	67	20	path	path	NOUN
blsr-19367	67	21	and	and	CCONJ
blsr-19367	67	22	continue	continue	VERB
blsr-19367	67	23	to	to	PART
blsr-19367	67	24	mislead	mislead	VERB
blsr-19367	67	25	its	its	PRON
blsr-19367	67	26	constituents	constituent	NOUN
blsr-19367	67	27	along	along	ADP
blsr-19367	67	28	the	the	DET
blsr-19367	67	29	way	way	NOUN
blsr-19367	67	30	.	.	PUNCT
blsr-19367	68	1	finally	finally	ADV
blsr-19367	68	2	,	,	PUNCT
blsr-19367	68	3	opponents	opponent	NOUN
blsr-19367	68	4	of	of	ADP
blsr-19367	68	5	proposition	proposition	NOUN
blsr-19367	68	6	103	103	NUM
blsr-19367	68	7	cite	cite	VERB
blsr-19367	68	8	the	the	DET
blsr-19367	68	9	problems	problem	NOUN
blsr-19367	68	10	associated	associate	VERB
blsr-19367	68	11	with	with	ADP
blsr-19367	68	12	its	its	PRON
blsr-19367	68	13	“	"	PUNCT
blsr-19367	68	14	rate	rate	NOUN
blsr-19367	68	15	-	-	PUNCT
blsr-19367	68	16	intervenor	intervenor	NOUN
blsr-19367	68	17	system	system	NOUN
blsr-19367	68	18	.	.	PUNCT
blsr-19367	69	1	”41	”41	PROPN
blsr-19367	69	2	put	put	VERB
blsr-19367	69	3	simply	simply	ADV
blsr-19367	69	4	,	,	PUNCT
blsr-19367	69	5	this	this	DET
blsr-19367	69	6	system	system	NOUN
blsr-19367	69	7	kicks	kick	VERB
blsr-19367	69	8	in	in	ADP
blsr-19367	69	9	for	for	ADP
blsr-19367	69	10	public	public	ADJ
blsr-19367	69	11	hearings	hearing	NOUN
blsr-19367	69	12	,	,	PUNCT
blsr-19367	69	13	which	which	PRON
blsr-19367	69	14	proposition	proposition	VERB
blsr-19367	69	15	103	103	NUM
blsr-19367	69	16	makes	make	VERB
blsr-19367	69	17	mandatory	mandatory	ADJ
blsr-19367	69	18	when	when	SCONJ
blsr-19367	69	19	insurance	insurance	NOUN
blsr-19367	69	20	companies	company	NOUN
blsr-19367	69	21	propose	propose	VERB
blsr-19367	69	22	a	a	DET
blsr-19367	69	23	rate	rate	NOUN
blsr-19367	69	24	hike	hike	NOUN
blsr-19367	69	25	of	of	ADP
blsr-19367	69	26	more	more	ADJ
blsr-19367	69	27	than	than	ADP
blsr-19367	69	28	6.9%.41	6.9%.41	NUM
blsr-19367	69	29	ultimately	ultimately	ADV
blsr-19367	69	30	,	,	PUNCT
blsr-19367	69	31	it	it	PRON
blsr-19367	69	32	allows	allow	VERB
blsr-19367	69	33	public	public	ADJ
blsr-19367	69	34	intervenors	intervenor	NOUN
blsr-19367	69	35	to	to	PART
blsr-19367	69	36	“	"	PUNCT
blsr-19367	69	37	file	file	VERB
blsr-19367	69	38	objections	objection	NOUN
blsr-19367	69	39	on	on	ADP
blsr-19367	69	40	behalf	behalf	NOUN
blsr-19367	69	41	of	of	ADP
blsr-19367	69	42	consumers	consumer	NOUN
blsr-19367	69	43	,	,	PUNCT
blsr-19367	69	44	with	with	SCONJ
blsr-19367	69	45	fees	fee	NOUN
blsr-19367	69	46	to	to	PART
blsr-19367	69	47	be	be	AUX
blsr-19367	69	48	paid	pay	VERB
blsr-19367	69	49	by	by	ADP
blsr-19367	69	50	the	the	DET
blsr-19367	69	51	applicant	applicant	PROPN
blsr-19367	69	52	insurance	insurance	NOUN
blsr-19367	69	53	company	company	NOUN
blsr-19367	69	54	.	.	PUNCT
blsr-19367	70	1	”41	”41	PROPN
blsr-19367	70	2	as	as	SCONJ
blsr-19367	70	3	evidenced	evidence	VERB
blsr-19367	70	4	by	by	ADP
blsr-19367	70	5	the	the	DET
blsr-19367	70	6	data	datum	NOUN
blsr-19367	70	7	,	,	PUNCT
blsr-19367	70	8	the	the	DET
blsr-19367	70	9	results	result	NOUN
blsr-19367	70	10	of	of	ADP
blsr-19367	70	11	this	this	DET
blsr-19367	70	12	system	system	NOUN
blsr-19367	70	13	are	be	AUX
blsr-19367	70	14	far	far	ADV
blsr-19367	70	15	from	from	ADP
blsr-19367	70	16	efficient.41	efficient.41	NOUN
blsr-19367	70	17	aside	aside	ADV
blsr-19367	70	18	from	from	ADP
blsr-19367	70	19	the	the	DET
blsr-19367	70	20	fact	fact	NOUN
blsr-19367	70	21	that	that	SCONJ
blsr-19367	70	22	insurance	insurance	NOUN
blsr-19367	70	23	companies	company	NOUN
blsr-19367	70	24	pass	pass	VERB
blsr-19367	70	25	on	on	ADP
blsr-19367	70	26	public	public	ADJ
blsr-19367	70	27	intervenor	intervenor	NOUN
blsr-19367	70	28	fees	fee	NOUN
blsr-19367	70	29	to	to	ADP
blsr-19367	70	30	policyholders	policyholder	NOUN
blsr-19367	70	31	,	,	PUNCT
blsr-19367	70	32	the	the	DET
blsr-19367	70	33	intervenor	intervenor	NOUN
blsr-19367	70	34	process	process	NOUN
blsr-19367	70	35	has	have	VERB
blsr-19367	70	36	a	a	DET
blsr-19367	70	37	“	"	PUNCT
blsr-19367	70	38	five	five	NUM
blsr-19367	70	39	-	-	PUNCT
blsr-19367	70	40	year	year	NOUN
blsr-19367	70	41	average	average	ADJ
blsr-19367	70	42	filing	filing	NOUN
blsr-19367	70	43	delay	delay	NOUN
blsr-19367	70	44	of	of	ADP
blsr-19367	70	45	236	236	NUM
blsr-19367	70	46	days	day	NOUN
blsr-19367	70	47	for	for	ADP
blsr-19367	70	48	homeowners	homeowner	NOUN
blsr-19367	70	49	insurance	insurance	NOUN
blsr-19367	70	50	.	.	PUNCT
blsr-19367	71	1	”41	”41	PROPN
blsr-19367	71	2	thus	thus	ADV
blsr-19367	71	3	,	,	PUNCT
blsr-19367	71	4	insurers	insurer	NOUN
blsr-19367	71	5	must	must	AUX
blsr-19367	71	6	endure	endure	VERB
blsr-19367	71	7	inadequate	inadequate	ADJ
blsr-19367	71	8	pricing	pricing	NOUN
blsr-19367	71	9	structures	structure	NOUN
blsr-19367	71	10	for	for	ADP
blsr-19367	71	11	at	at	ADV
blsr-19367	71	12	least	least	ADV
blsr-19367	71	13	six	six	NUM
blsr-19367	71	14	months	month	NOUN
blsr-19367	71	15	,	,	PUNCT
blsr-19367	71	16	causing	cause	VERB
blsr-19367	71	17	losses	loss	NOUN
blsr-19367	71	18	to	to	PART
blsr-19367	71	19	grow	grow	VERB
blsr-19367	71	20	and	and	CCONJ
blsr-19367	71	21	making	make	VERB
blsr-19367	71	22	an	an	DET
blsr-19367	71	23	exit	exit	NOUN
blsr-19367	71	24	from	from	ADP
blsr-19367	71	25	the	the	DET
blsr-19367	71	26	state	state	NOUN
blsr-19367	71	27	’s	’s	PART
blsr-19367	71	28	market	market	NOUN
blsr-19367	71	29	all	all	DET
blsr-19367	71	30	the	the	PRON
blsr-19367	71	31	more	more	ADV
blsr-19367	71	32	favorable	favorable	ADJ
blsr-19367	71	33	.	.	PUNCT
blsr-19367	72	1	regulation	regulation	NOUN
blsr-19367	72	2	37	37	NUM
blsr-19367	72	3	as	as	SCONJ
blsr-19367	72	4	previously	previously	ADV
blsr-19367	72	5	mentioned	mention	VERB
blsr-19367	72	6	,	,	PUNCT
blsr-19367	72	7	traditional	traditional	ADJ
blsr-19367	72	8	homeowners	homeowner	NOUN
blsr-19367	72	9	insurance	insurance	NOUN
blsr-19367	72	10	is	be	AUX
blsr-19367	72	11	regulated	regulate	VERB
blsr-19367	72	12	by	by	ADP
blsr-19367	72	13	a	a	DET
blsr-19367	72	14	state	state	NOUN
blsr-19367	72	15	’s	’s	PART
blsr-19367	72	16	insurance	insurance	NOUN
blsr-19367	72	17	commissioner	commissioner	NOUN
blsr-19367	72	18	,	,	PUNCT
blsr-19367	72	19	a	a	DET
blsr-19367	72	20	figure	figure	NOUN
blsr-19367	72	21	whose	whose	DET
blsr-19367	72	22	decisions	decision	NOUN
blsr-19367	72	23	carry	carry	VERB
blsr-19367	72	24	lots	lot	NOUN
blsr-19367	72	25	of	of	ADP
blsr-19367	72	26	weight	weight	NOUN
blsr-19367	72	27	for	for	ADP
blsr-19367	72	28	policyholders	policyholder	NOUN
blsr-19367	72	29	and	and	CCONJ
blsr-19367	72	30	insurance	insurance	NOUN
blsr-19367	72	31	companies	company	NOUN
blsr-19367	72	32	alike	alike	ADV
blsr-19367	72	33	.	.	PUNCT
blsr-19367	73	1	given	give	VERB
blsr-19367	73	2	the	the	DET
blsr-19367	73	3	ongoing	ongoing	ADJ
blsr-19367	73	4	media	medium	NOUN
blsr-19367	73	5	coverage	coverage	NOUN
blsr-19367	73	6	of	of	ADP
blsr-19367	73	7	california	california	PROPN
blsr-19367	73	8	’s	’s	PART
blsr-19367	73	9	insurance	insurance	NOUN
blsr-19367	73	10	market	market	NOUN
blsr-19367	73	11	,	,	PUNCT
blsr-19367	73	12	this	this	DET
blsr-19367	73	13	state	state	NOUN
blsr-19367	73	14	will	will	AUX
blsr-19367	73	15	remain	remain	VERB
blsr-19367	73	16	the	the	DET
blsr-19367	73	17	subject	subject	NOUN
blsr-19367	73	18	of	of	ADP
blsr-19367	73	19	analysis	analysis	NOUN
blsr-19367	73	20	.	.	PUNCT
blsr-19367	74	1	starting	start	VERB
blsr-19367	74	2	with	with	ADP
blsr-19367	74	3	last	last	ADJ
blsr-19367	74	4	year	year	NOUN
blsr-19367	74	5	(	(	PUNCT
blsr-19367	74	6	2024	2024	NUM
blsr-19367	74	7	)	)	PUNCT
blsr-19367	74	8	,	,	PUNCT
blsr-19367	74	9	the	the	DET
blsr-19367	74	10	california	california	PROPN
blsr-19367	74	11	department	department	PROPN
blsr-19367	74	12	of	of	ADP
blsr-19367	74	13	insurance	insurance	PROPN
blsr-19367	74	14	approved	approve	VERB
blsr-19367	74	15	allstate	allstate	PROPN
blsr-19367	74	16	’s	’s	PART
blsr-19367	74	17	request	request	NOUN
blsr-19367	74	18	to	to	PART
blsr-19367	74	19	raise	raise	VERB
blsr-19367	74	20	its	its	PRON
blsr-19367	74	21	average	average	ADJ
blsr-19367	74	22	home	home	NOUN
blsr-19367	74	23	insurance	insurance	NOUN
blsr-19367	74	24	premiums	premium	NOUN
blsr-19367	74	25	by	by	ADP
blsr-19367	74	26	34	34	NUM
blsr-19367	74	27	%	%	NOUN
blsr-19367	74	28	,	,	PUNCT
blsr-19367	74	29	a	a	DET
blsr-19367	74	30	change	change	NOUN
blsr-19367	74	31	that	that	PRON
blsr-19367	74	32	affected	affect	VERB
blsr-19367	74	33	approximately	approximately	ADV
blsr-19367	74	34	350,000	350,000	NUM
blsr-19367	74	35	policyholders.38,48	policyholders.38,48	NOUN
blsr-19367	74	36	currently	currently	ADV
blsr-19367	74	37	,	,	PUNCT
blsr-19367	74	38	state	state	NOUN
blsr-19367	74	39	farm	farm	NOUN
blsr-19367	74	40	is	be	AUX
blsr-19367	74	41	awaiting	await	VERB
blsr-19367	74	42	approval	approval	NOUN
blsr-19367	74	43	on	on	ADP
blsr-19367	74	44	its	its	PRON
blsr-19367	74	45	emergency	emergency	NOUN
blsr-19367	74	46	request	request	NOUN
blsr-19367	74	47	to	to	PART
blsr-19367	74	48	raise	raise	VERB
blsr-19367	74	49	premiums	premium	NOUN
blsr-19367	74	50	by	by	ADP
blsr-19367	74	51	17	17	NUM
blsr-19367	74	52	%	%	NOUN
blsr-19367	74	53	,	,	PUNCT
blsr-19367	74	54	a	a	DET
blsr-19367	74	55	move	move	NOUN
blsr-19367	74	56	they	they	PRON
blsr-19367	74	57	argue	argue	VERB
blsr-19367	74	58	is	be	AUX
blsr-19367	74	59	required	require	VERB
blsr-19367	74	60	for	for	SCONJ
blsr-19367	74	61	them	they	PRON
blsr-19367	74	62	to	to	PART
blsr-19367	74	63	stay	stay	VERB
blsr-19367	74	64	afloat	afloat	ADV
blsr-19367	74	65	in	in	ADP
blsr-19367	74	66	the	the	DET
blsr-19367	74	67	wake	wake	NOUN
blsr-19367	74	68	of	of	ADP
blsr-19367	74	69	the	the	DET
blsr-19367	74	70	los	los	PROPN
blsr-19367	74	71	angeles	angeles	PROPN
blsr-19367	74	72	wildfires.53	wildfires.53	PROPN
blsr-19367	74	73	indeed	indeed	ADV
blsr-19367	74	74	,	,	PUNCT
blsr-19367	74	75	state	state	NOUN
blsr-19367	74	76	officials	official	NOUN
blsr-19367	74	77	seem	seem	VERB
blsr-19367	74	78	supportive	supportive	ADJ
blsr-19367	74	79	of	of	ADP
blsr-19367	74	80	this	this	DET
blsr-19367	74	81	move	move	NOUN
blsr-19367	74	82	,	,	PUNCT
blsr-19367	74	83	as	as	SCONJ
blsr-19367	74	84	remarks	remark	NOUN
blsr-19367	74	85	from	from	ADP
blsr-19367	74	86	nikki	nikki	PROPN
blsr-19367	74	87	kennedy	kennedy	PROPN
blsr-19367	74	88	,	,	PUNCT
blsr-19367	74	89	an	an	DET
blsr-19367	74	90	attorney	attorney	NOUN
blsr-19367	74	91	for	for	ADP
blsr-19367	74	92	the	the	DET
blsr-19367	74	93	california	california	PROPN
blsr-19367	74	94	department	department	PROPN
blsr-19367	74	95	of	of	ADP
blsr-19367	74	96	insurance	insurance	NOUN
blsr-19367	74	97	,	,	PUNCT
blsr-19367	74	98	highlight.53	highlight.53	PROPN
blsr-19367	74	99	in	in	ADP
blsr-19367	74	100	a	a	DET
blsr-19367	74	101	recent	recent	ADJ
blsr-19367	74	102	hearing	hearing	NOUN
blsr-19367	74	103	,	,	PUNCT
blsr-19367	74	104	kennedy	kennedy	PROPN
blsr-19367	74	105	ardently	ardently	ADV
blsr-19367	74	106	advocated	advocate	VERB
blsr-19367	74	107	for	for	ADP
blsr-19367	74	108	state	state	NOUN
blsr-19367	74	109	farm	farm	NOUN
blsr-19367	74	110	,	,	PUNCT
blsr-19367	74	111	warning	warn	VERB
blsr-19367	74	112	the	the	DET
blsr-19367	74	113	judge	judge	NOUN
blsr-19367	74	114	presiding	preside	VERB
blsr-19367	74	115	over	over	ADP
blsr-19367	74	116	the	the	DET
blsr-19367	74	117	case	case	NOUN
blsr-19367	74	118	that	that	SCONJ
blsr-19367	74	119	“	"	PUNCT
blsr-19367	74	120	[	[	X
blsr-19367	74	121	california	california	PROPN
blsr-19367	74	122	is	be	AUX
blsr-19367	74	123	]	]	PUNCT
blsr-19367	74	124	on	on	ADP
blsr-19367	74	125	the	the	DET
blsr-19367	74	126	titanic	titanic	ADJ
blsr-19367	74	127	,	,	PUNCT
blsr-19367	74	128	and	and	CCONJ
blsr-19367	74	129	[	[	X
blsr-19367	74	130	sees	see	VERB
blsr-19367	74	131	]	]	PUNCT
blsr-19367	74	132	the	the	DET
blsr-19367	74	133	iceberg	iceberg	NOUN
blsr-19367	74	134	.	.	PUNCT
blsr-19367	75	1	now	now	ADV
blsr-19367	75	2	is	be	AUX
blsr-19367	75	3	not	not	PART
blsr-19367	75	4	the	the	DET
blsr-19367	75	5	time	time	NOUN
blsr-19367	75	6	to	to	PART
blsr-19367	75	7	argue	argue	VERB
blsr-19367	75	8	about	about	ADP
blsr-19367	75	9	where	where	SCONJ
blsr-19367	75	10	to	to	PART
blsr-19367	75	11	put	put	VERB
blsr-19367	75	12	the	the	DET
blsr-19367	75	13	deck	deck	NOUN
blsr-19367	75	14	chairs	chair	NOUN
blsr-19367	75	15	.	.	PUNCT
blsr-19367	76	1	there	there	PRON
blsr-19367	76	2	is	be	VERB
blsr-19367	76	3	still	still	ADV
blsr-19367	76	4	time	time	NOUN
blsr-19367	76	5	,	,	PUNCT
blsr-19367	76	6	your	your	PRON
blsr-19367	76	7	honor	honor	NOUN
blsr-19367	76	8	,	,	PUNCT
blsr-19367	76	9	to	to	PART
blsr-19367	76	10	turn	turn	VERB
blsr-19367	76	11	this	this	DET
blsr-19367	76	12	ship	ship	NOUN
blsr-19367	76	13	around	around	ADV
blsr-19367	76	14	.	.	PUNCT
blsr-19367	77	1	if	if	SCONJ
blsr-19367	77	2	we	we	PRON
blsr-19367	77	3	do	do	VERB
blsr-19367	77	4	n't	not	PART
blsr-19367	77	5	,	,	PUNCT
blsr-19367	77	6	over	over	ADP
blsr-19367	77	7	three	three	NUM
blsr-19367	77	8	million	million	NUM
blsr-19367	77	9	californians	californian	NOUN
blsr-19367	77	10	are	be	AUX
blsr-19367	77	11	going	go	VERB
blsr-19367	77	12	in	in	ADP
blsr-19367	77	13	the	the	DET
blsr-19367	77	14	water	water	NOUN
blsr-19367	77	15	.	.	PUNCT
blsr-19367	78	1	and	and	CCONJ
blsr-19367	78	2	there	there	PRON
blsr-19367	78	3	are	be	VERB
blsr-19367	78	4	not	not	PART
blsr-19367	78	5	enough	enough	ADJ
blsr-19367	78	6	lifeboats	lifeboat	NOUN
blsr-19367	78	7	.	.	PUNCT
blsr-19367	79	1	"53	"53	VERB
blsr-19367	80	1	while	while	SCONJ
blsr-19367	80	2	rate	rate	NOUN
blsr-19367	80	3	hikes	hike	NOUN
blsr-19367	80	4	do	do	AUX
blsr-19367	80	5	not	not	PART
blsr-19367	80	6	bode	bode	VERB
blsr-19367	80	7	well	well	ADV
blsr-19367	80	8	for	for	ADP
blsr-19367	80	9	the	the	DET
blsr-19367	80	10	finances	finance	NOUN
blsr-19367	80	11	of	of	ADP
blsr-19367	80	12	policyholders	policyholder	NOUN
blsr-19367	80	13	,	,	PUNCT
blsr-19367	80	14	they	they	PRON
blsr-19367	80	15	are	be	AUX
blsr-19367	80	16	necessary	necessary	ADJ
blsr-19367	80	17	to	to	PART
blsr-19367	80	18	keep	keep	VERB
blsr-19367	80	19	insurers	insurer	NOUN
blsr-19367	80	20	solvent	solvent	NOUN
blsr-19367	80	21	,	,	PUNCT
blsr-19367	80	22	as	as	SCONJ
blsr-19367	80	23	state	state	NOUN
blsr-19367	80	24	farm	farm	NOUN
blsr-19367	80	25	’s	’s	PART
blsr-19367	80	26	case	case	NOUN
blsr-19367	80	27	demonstrates	demonstrate	VERB
blsr-19367	80	28	.	.	PUNCT
blsr-19367	81	1	it	it	PRON
blsr-19367	81	2	must	must	AUX
blsr-19367	81	3	be	be	AUX
blsr-19367	81	4	noted	note	VERB
blsr-19367	81	5	,	,	PUNCT
blsr-19367	81	6	however	however	ADV
blsr-19367	81	7	,	,	PUNCT
blsr-19367	81	8	that	that	SCONJ
blsr-19367	81	9	state	state	NOUN
blsr-19367	81	10	regulators	regulator	NOUN
blsr-19367	81	11	must	must	AUX
blsr-19367	81	12	consider	consider	VERB
blsr-19367	81	13	the	the	DET
blsr-19367	81	14	interests	interest	NOUN
blsr-19367	81	15	of	of	ADP
blsr-19367	81	16	policyholders	policyholder	NOUN
blsr-19367	81	17	as	as	ADV
blsr-19367	81	18	well	well	ADV
blsr-19367	81	19	.	.	PUNCT
blsr-19367	82	1	raising	raise	VERB
blsr-19367	82	2	rates	rate	NOUN
blsr-19367	82	3	to	to	ADP
blsr-19367	82	4	exorbitant	exorbitant	ADJ
blsr-19367	82	5	levels	level	NOUN
blsr-19367	82	6	,	,	PUNCT
blsr-19367	82	7	while	while	SCONJ
blsr-19367	82	8	beneficial	beneficial	ADJ
blsr-19367	82	9	for	for	ADP
blsr-19367	82	10	insurance	insurance	NOUN
blsr-19367	82	11	companies	company	NOUN
blsr-19367	82	12	,	,	PUNCT
blsr-19367	82	13	has	have	VERB
blsr-19367	82	14	an	an	DET
blsr-19367	82	15	adverse	adverse	ADJ
blsr-19367	82	16	impact	impact	NOUN
blsr-19367	82	17	on	on	ADP
blsr-19367	82	18	policyholders	policyholder	NOUN
blsr-19367	82	19	.	.	PUNCT
blsr-19367	83	1	with	with	ADP
blsr-19367	83	2	this	this	PRON
blsr-19367	83	3	in	in	ADP
blsr-19367	83	4	mind	mind	NOUN
blsr-19367	83	5	,	,	PUNCT
blsr-19367	83	6	it	it	PRON
blsr-19367	83	7	is	be	AUX
blsr-19367	83	8	important	important	ADJ
blsr-19367	83	9	to	to	PART
blsr-19367	83	10	gather	gather	VERB
blsr-19367	83	11	context	context	NOUN
blsr-19367	83	12	on	on	ADP
blsr-19367	83	13	state	state	NOUN
blsr-19367	83	14	farm	farm	NOUN
blsr-19367	83	15	’s	’s	PART
blsr-19367	83	16	current	current	ADJ
blsr-19367	83	17	proposed	propose	VERB
blsr-19367	83	18	rate	rate	NOUN
blsr-19367	83	19	increase	increase	NOUN
blsr-19367	83	20	of	of	ADP
blsr-19367	83	21	17	17	NUM
blsr-19367	83	22	%	%	NOUN
blsr-19367	83	23	.	.	PUNCT
blsr-19367	84	1	in	in	ADP
blsr-19367	84	2	june	june	PROPN
blsr-19367	84	3	2023	2023	NUM
blsr-19367	84	4	,	,	PUNCT
blsr-19367	84	5	state	state	NOUN
blsr-19367	84	6	farm	farm	NOUN
blsr-19367	84	7	requested	request	VERB
blsr-19367	84	8	a	a	DET
blsr-19367	84	9	premium	premium	NOUN
blsr-19367	84	10	rate	rate	NOUN
blsr-19367	84	11	hike	hike	NOUN
blsr-19367	84	12	of	of	ADP
blsr-19367	84	13	30	30	NUM
blsr-19367	84	14	%	%	NOUN
blsr-19367	84	15	for	for	ADP
blsr-19367	84	16	its	its	PRON
blsr-19367	84	17	home	home	NOUN
blsr-19367	84	18	insurance	insurance	NOUN
blsr-19367	84	19	policies	policy	NOUN
blsr-19367	84	20	in	in	ADP
blsr-19367	84	21	california.53	california.53	NOUN
blsr-19367	84	22	nonetheless	nonetheless	ADV
blsr-19367	84	23	,	,	PUNCT
blsr-19367	84	24	after	after	SCONJ
blsr-19367	84	25	the	the	DET
blsr-19367	84	26	los	los	PROPN
blsr-19367	84	27	angeles	angeles	PROPN
blsr-19367	84	28	wildfires	wildfire	VERB
blsr-19367	84	29	,	,	PUNCT
blsr-19367	84	30	an	an	DET
blsr-19367	84	31	event	event	NOUN
blsr-19367	84	32	that	that	PRON
blsr-19367	84	33	certainly	certainly	ADV
blsr-19367	84	34	made	make	VERB
blsr-19367	84	35	the	the	DET
blsr-19367	84	36	company	company	NOUN
blsr-19367	84	37	’s	’s	PART
blsr-19367	84	38	financial	financial	ADJ
blsr-19367	84	39	situation	situation	NOUN
blsr-19367	84	40	worse	bad	ADJ
blsr-19367	84	41	,	,	PUNCT
blsr-19367	84	42	state	state	NOUN
blsr-19367	84	43	farm	farm	NOUN
blsr-19367	84	44	lowered	lower	VERB
blsr-19367	84	45	its	its	PRON
blsr-19367	84	46	request	request	NOUN
blsr-19367	84	47	to	to	ADP
blsr-19367	84	48	a	a	DET
blsr-19367	84	49	22	22	NUM
blsr-19367	84	50	%	%	NOUN
blsr-19367	84	51	increase.53	increase.53	NOUN
blsr-19367	84	52	then	then	ADV
blsr-19367	84	53	,	,	PUNCT
blsr-19367	84	54	after	after	SCONJ
blsr-19367	84	55	state	state	NOUN
blsr-19367	84	56	38	38	NUM
blsr-19367	84	57	regulators	regulator	NOUN
blsr-19367	84	58	required	require	VERB
blsr-19367	84	59	the	the	DET
blsr-19367	84	60	company	company	NOUN
blsr-19367	84	61	to	to	PART
blsr-19367	84	62	justify	justify	VERB
blsr-19367	84	63	why	why	SCONJ
blsr-19367	84	64	such	such	DET
blsr-19367	84	65	a	a	DET
blsr-19367	84	66	rate	rate	NOUN
blsr-19367	84	67	increase	increase	NOUN
blsr-19367	84	68	was	be	AUX
blsr-19367	84	69	necessary	necessary	ADJ
blsr-19367	84	70	,	,	PUNCT
blsr-19367	84	71	state	state	NOUN
blsr-19367	84	72	farm	farm	NOUN
blsr-19367	84	73	lowered	lower	VERB
blsr-19367	84	74	its	its	PRON
blsr-19367	84	75	request	request	NOUN
blsr-19367	84	76	to	to	ADP
blsr-19367	84	77	17%.28,53	17%.28,53	NUM
blsr-19367	84	78	surely	surely	ADV
blsr-19367	84	79	,	,	PUNCT
blsr-19367	84	80	after	after	ADP
blsr-19367	84	81	taking	take	VERB
blsr-19367	84	82	context	context	NOUN
blsr-19367	84	83	into	into	ADP
blsr-19367	84	84	account	account	NOUN
blsr-19367	84	85	,	,	PUNCT
blsr-19367	84	86	it	it	PRON
blsr-19367	84	87	appears	appear	VERB
blsr-19367	84	88	that	that	SCONJ
blsr-19367	84	89	state	state	NOUN
blsr-19367	84	90	regulators	regulator	NOUN
blsr-19367	84	91	are	be	AUX
blsr-19367	84	92	handling	handle	VERB
blsr-19367	84	93	the	the	DET
blsr-19367	84	94	opposing	opposing	ADJ
blsr-19367	84	95	interests	interest	NOUN
blsr-19367	84	96	of	of	ADP
blsr-19367	84	97	insurance	insurance	NOUN
blsr-19367	84	98	companies	company	NOUN
blsr-19367	84	99	and	and	CCONJ
blsr-19367	84	100	policyholders	policyholder	NOUN
blsr-19367	84	101	in	in	ADP
blsr-19367	84	102	a	a	DET
blsr-19367	84	103	responsible	responsible	ADJ
blsr-19367	84	104	and	and	CCONJ
blsr-19367	84	105	equitable	equitable	ADJ
blsr-19367	84	106	manner	manner	NOUN
blsr-19367	84	107	.	.	PUNCT
blsr-19367	85	1	litigation	litigation	NOUN
blsr-19367	85	2	many	many	ADJ
blsr-19367	85	3	california	california	PROPN
blsr-19367	85	4	policyholders	policyholder	NOUN
blsr-19367	85	5	,	,	PUNCT
blsr-19367	85	6	however	however	ADV
blsr-19367	85	7	,	,	PUNCT
blsr-19367	85	8	do	do	AUX
blsr-19367	85	9	not	not	PART
blsr-19367	85	10	support	support	VERB
blsr-19367	85	11	this	this	DET
blsr-19367	85	12	view	view	NOUN
blsr-19367	85	13	.	.	PUNCT
blsr-19367	86	1	instead	instead	ADV
blsr-19367	86	2	,	,	PUNCT
blsr-19367	86	3	a	a	DET
blsr-19367	86	4	vast	vast	ADJ
blsr-19367	86	5	majority	majority	NOUN
blsr-19367	86	6	see	see	VERB
blsr-19367	86	7	state	state	NOUN
blsr-19367	86	8	regulators	regulator	NOUN
blsr-19367	86	9	in	in	ADP
blsr-19367	86	10	a	a	DET
blsr-19367	86	11	negative	negative	ADJ
blsr-19367	86	12	light	light	NOUN
blsr-19367	86	13	,	,	PUNCT
blsr-19367	86	14	an	an	DET
blsr-19367	86	15	issue	issue	NOUN
blsr-19367	86	16	that	that	PRON
blsr-19367	86	17	has	have	AUX
blsr-19367	86	18	led	lead	VERB
blsr-19367	86	19	to	to	ADP
blsr-19367	86	20	a	a	DET
blsr-19367	86	21	host	host	NOUN
blsr-19367	86	22	of	of	ADP
blsr-19367	86	23	lawsuits	lawsuit	NOUN
blsr-19367	86	24	.	.	PUNCT
blsr-19367	87	1	for	for	ADP
blsr-19367	87	2	example	example	NOUN
blsr-19367	87	3	,	,	PUNCT
blsr-19367	87	4	in	in	ADP
blsr-19367	87	5	february	february	PROPN
blsr-19367	87	6	,	,	PUNCT
blsr-19367	87	7	california	california	PROPN
blsr-19367	87	8	’s	’s	PART
blsr-19367	87	9	insurance	insurance	NOUN
blsr-19367	87	10	commissioner	commissioner	NOUN
blsr-19367	87	11	,	,	PUNCT
blsr-19367	87	12	ricardo	ricardo	PROPN
blsr-19367	87	13	lara	lara	PROPN
blsr-19367	87	14	,	,	PUNCT
blsr-19367	87	15	“	"	PUNCT
blsr-19367	87	16	approved	approve	VERB
blsr-19367	87	17	the	the	DET
blsr-19367	87	18	fair	fair	ADJ
blsr-19367	87	19	plan	plan	NOUN
blsr-19367	87	20	’s	’s	PART
blsr-19367	87	21	request	request	NOUN
blsr-19367	87	22	to	to	PART
blsr-19367	87	23	levy	levy	VERB
blsr-19367	87	24	an	an	DET
blsr-19367	87	25	assessment	assessment	NOUN
blsr-19367	87	26	of	of	ADP
blsr-19367	87	27	$	$	SYM
blsr-19367	87	28	1	1	NUM
blsr-19367	87	29	billion	billion	NUM
blsr-19367	87	30	on	on	ADP
blsr-19367	87	31	all	all	DET
blsr-19367	87	32	its	its	PRON
blsr-19367	87	33	member	member	NOUN
blsr-19367	87	34	insurers	insurer	NOUN
blsr-19367	87	35	”	"	PUNCT
blsr-19367	87	36	so	so	SCONJ
blsr-19367	87	37	they	they	PRON
blsr-19367	87	38	could	could	AUX
blsr-19367	87	39	continue	continue	VERB
blsr-19367	87	40	paying	pay	VERB
blsr-19367	87	41	insurance	insurance	NOUN
blsr-19367	87	42	claims	claim	NOUN
blsr-19367	87	43	related	relate	VERB
blsr-19367	87	44	to	to	ADP
blsr-19367	87	45	the	the	DET
blsr-19367	87	46	los	los	PROPN
blsr-19367	87	47	angeles	angeles	PROPN
blsr-19367	87	48	wildfires.55	wildfires.55	PROPN
blsr-19367	87	49	yet	yet	ADV
blsr-19367	87	50	,	,	PUNCT
blsr-19367	87	51	two	two	NUM
blsr-19367	87	52	months	month	NOUN
blsr-19367	87	53	later	later	ADV
blsr-19367	87	54	,	,	PUNCT
blsr-19367	87	55	consumer	consumer	NOUN
blsr-19367	87	56	watchdog	watchdog	NOUN
blsr-19367	87	57	(	(	PUNCT
blsr-19367	87	58	a	a	DET
blsr-19367	87	59	nonprofit	nonprofit	NOUN
blsr-19367	87	60	serving	serve	VERB
blsr-19367	87	61	on	on	ADP
blsr-19367	87	62	behalf	behalf	NOUN
blsr-19367	87	63	of	of	ADP
blsr-19367	87	64	the	the	DET
blsr-19367	87	65	public	public	NOUN
blsr-19367	87	66	’s	’s	PART
blsr-19367	87	67	interest	interest	NOUN
blsr-19367	87	68	)	)	PUNCT
blsr-19367	87	69	sued	sue	VERB
blsr-19367	87	70	ricardo	ricardo	PROPN
blsr-19367	87	71	lara	lara	PROPN
blsr-19367	87	72	and	and	CCONJ
blsr-19367	87	73	the	the	DET
blsr-19367	87	74	california	california	PROPN
blsr-19367	87	75	department	department	PROPN
blsr-19367	87	76	of	of	ADP
blsr-19367	87	77	insurance	insurance	NOUN
blsr-19367	87	78	,	,	PUNCT
blsr-19367	87	79	alleging	allege	VERB
blsr-19367	87	80	their	their	PRON
blsr-19367	87	81	approval	approval	NOUN
blsr-19367	87	82	of	of	ADP
blsr-19367	87	83	such	such	DET
blsr-19367	87	84	a	a	DET
blsr-19367	87	85	request	request	NOUN
blsr-19367	87	86	violated	violate	VERB
blsr-19367	87	87	the	the	DET
blsr-19367	87	88	administrative	administrative	ADJ
blsr-19367	87	89	procedure	procedure	NOUN
blsr-19367	87	90	act	act	NOUN
blsr-19367	87	91	(	(	PUNCT
blsr-19367	87	92	apa	apa	PROPN
blsr-19367	87	93	)	)	PUNCT
blsr-19367	87	94	and	and	CCONJ
blsr-19367	87	95	the	the	DET
blsr-19367	87	96	state	state	NOUN
blsr-19367	87	97	’s	’s	PART
blsr-19367	87	98	insurance	insurance	NOUN
blsr-19367	87	99	code.44	code.44	NOUN
blsr-19367	87	100	the	the	DET
blsr-19367	87	101	suit	suit	NOUN
blsr-19367	87	102	alleges	allege	VERB
blsr-19367	87	103	that	that	SCONJ
blsr-19367	87	104	the	the	DET
blsr-19367	87	105	violation	violation	NOUN
blsr-19367	87	106	of	of	ADP
blsr-19367	87	107	the	the	DET
blsr-19367	87	108	apa	apa	PROPN
blsr-19367	87	109	stems	stem	VERB
blsr-19367	87	110	from	from	ADP
blsr-19367	87	111	the	the	DET
blsr-19367	87	112	absence	absence	NOUN
blsr-19367	87	113	of	of	ADP
blsr-19367	87	114	public	public	ADJ
blsr-19367	87	115	input	input	NOUN
blsr-19367	87	116	on	on	ADP
blsr-19367	87	117	lara	lara	PROPN
blsr-19367	87	118	’s	’s	PART
blsr-19367	87	119	decision.37	decision.37	VERB
blsr-19367	87	120	the	the	DET
blsr-19367	87	121	violation	violation	NOUN
blsr-19367	87	122	of	of	ADP
blsr-19367	87	123	the	the	DET
blsr-19367	87	124	state	state	NOUN
blsr-19367	87	125	’s	’s	PART
blsr-19367	87	126	insurance	insurance	PROPN
blsr-19367	87	127	code	code	NOUN
blsr-19367	87	128	,	,	PUNCT
blsr-19367	87	129	consumer	consumer	NOUN
blsr-19367	87	130	watchdog	watchdog	NOUN
blsr-19367	87	131	argues	argue	VERB
blsr-19367	87	132	,	,	PUNCT
blsr-19367	87	133	stems	stem	VERB
blsr-19367	87	134	from	from	ADP
blsr-19367	87	135	the	the	DET
blsr-19367	87	136	decision	decision	NOUN
blsr-19367	87	137	by	by	ADP
blsr-19367	87	138	insurance	insurance	NOUN
blsr-19367	87	139	companies	company	NOUN
blsr-19367	87	140	to	to	PART
blsr-19367	87	141	pass	pass	VERB
blsr-19367	87	142	assessment	assessment	NOUN
blsr-19367	87	143	costs	cost	NOUN
blsr-19367	87	144	onto	onto	ADP
blsr-19367	87	145	policyholders.37	policyholders.37	NOUN
blsr-19367	87	146	to	to	PART
blsr-19367	87	147	support	support	VERB
blsr-19367	87	148	their	their	PRON
blsr-19367	87	149	argument	argument	NOUN
blsr-19367	87	150	,	,	PUNCT
blsr-19367	87	151	consumer	consumer	NOUN
blsr-19367	87	152	watchdog	watchdog	NOUN
blsr-19367	87	153	points	point	VERB
blsr-19367	87	154	to	to	ADP
blsr-19367	87	155	the	the	DET
blsr-19367	87	156	section	section	NOUN
blsr-19367	87	157	of	of	ADP
blsr-19367	87	158	the	the	DET
blsr-19367	87	159	california	california	PROPN
blsr-19367	87	160	fair	fair	ADJ
blsr-19367	87	161	plan	plan	NOUN
blsr-19367	87	162	that	that	PRON
blsr-19367	87	163	reads	read	VERB
blsr-19367	87	164	,	,	PUNCT
blsr-19367	87	165	“	"	PUNCT
blsr-19367	87	166	…	…	PUNCT
blsr-19367	87	167	all	all	DET
blsr-19367	87	168	member	member	NOUN
blsr-19367	87	169	insurers	insurer	NOUN
blsr-19367	87	170	must	must	AUX
blsr-19367	87	171	participate	participate	VERB
blsr-19367	87	172	in	in	ADP
blsr-19367	87	173	the	the	DET
blsr-19367	87	174	[	[	X
blsr-19367	87	175	plan	plan	NOUN
blsr-19367	87	176	’s	’s	X
blsr-19367	87	177	]	]	PUNCT
blsr-19367	87	178	expenses	expense	NOUN
blsr-19367	87	179	,	,	PUNCT
blsr-19367	87	180	profits	profit	NOUN
blsr-19367	87	181	,	,	PUNCT
blsr-19367	87	182	and	and	CCONJ
blsr-19367	87	183	losses	loss	NOUN
blsr-19367	87	184	…	…	PUNCT
blsr-19367	87	185	”	"	PUNCT
blsr-19367	87	186	in	in	ADP
blsr-19367	87	187	a	a	DET
blsr-19367	87	188	manner	manner	NOUN
blsr-19367	87	189	proportional	proportional	NOUN
blsr-19367	87	190	to	to	ADP
blsr-19367	87	191	their	their	PRON
blsr-19367	87	192	market	market	NOUN
blsr-19367	87	193	share	share	NOUN
blsr-19367	87	194	in	in	ADP
blsr-19367	87	195	the	the	DET
blsr-19367	87	196	state.37,40	state.37,40	NOUN
blsr-19367	87	197	by	by	ADP
blsr-19367	87	198	all	all	DET
blsr-19367	87	199	means	mean	NOUN
blsr-19367	87	200	,	,	PUNCT
blsr-19367	87	201	policyholders	policyholder	NOUN
blsr-19367	87	202	have	have	AUX
blsr-19367	87	203	not	not	PART
blsr-19367	87	204	limited	limit	VERB
blsr-19367	87	205	their	their	PRON
blsr-19367	87	206	target	target	NOUN
blsr-19367	87	207	to	to	ADP
blsr-19367	87	208	state	state	NOUN
blsr-19367	87	209	regulators	regulator	NOUN
blsr-19367	87	210	.	.	PUNCT
blsr-19367	88	1	rather	rather	ADV
blsr-19367	88	2	,	,	PUNCT
blsr-19367	88	3	they	they	PRON
blsr-19367	88	4	have	have	AUX
blsr-19367	88	5	also	also	ADV
blsr-19367	88	6	begun	begin	VERB
blsr-19367	88	7	to	to	PART
blsr-19367	88	8	go	go	VERB
blsr-19367	88	9	after	after	ADP
blsr-19367	88	10	insurers	insurer	NOUN
blsr-19367	88	11	themselves	themselves	PRON
blsr-19367	88	12	.	.	PUNCT
blsr-19367	89	1	for	for	ADP
blsr-19367	89	2	instance	instance	NOUN
blsr-19367	89	3	,	,	PUNCT
blsr-19367	89	4	last	last	ADJ
blsr-19367	89	5	month	month	NOUN
blsr-19367	89	6	(	(	PUNCT
blsr-19367	89	7	april	april	PROPN
blsr-19367	89	8	2025	2025	NUM
blsr-19367	89	9	)	)	PUNCT
blsr-19367	89	10	,	,	PUNCT
blsr-19367	89	11	california	california	PROPN
blsr-19367	89	12	homeowners	homeowner	NOUN
blsr-19367	89	13	affected	affect	VERB
blsr-19367	89	14	by	by	ADP
blsr-19367	89	15	the	the	DET
blsr-19367	89	16	los	los	PROPN
blsr-19367	89	17	angeles	angeles	PROPN
blsr-19367	89	18	wildfires	wildfire	VERB
blsr-19367	89	19	accused	accuse	VERB
blsr-19367	89	20	over	over	ADP
blsr-19367	89	21	300	300	NUM
blsr-19367	89	22	insurance	insurance	NOUN
blsr-19367	89	23	companies	company	NOUN
blsr-19367	89	24	,	,	PUNCT
blsr-19367	89	25	including	include	VERB
blsr-19367	89	26	state	state	NOUN
blsr-19367	89	27	farm	farm	NOUN
blsr-19367	89	28	,	,	PUNCT
blsr-19367	89	29	travelers	traveler	NOUN
blsr-19367	89	30	,	,	PUNCT
blsr-19367	89	31	and	and	CCONJ
blsr-19367	89	32	liberty	liberty	PROPN
blsr-19367	89	33	mutual	mutual	ADJ
blsr-19367	89	34	,	,	PUNCT
blsr-19367	89	35	of	of	ADP
blsr-19367	89	36	violating	violate	VERB
blsr-19367	89	37	the	the	DET
blsr-19367	89	38	antitrust	antitrust	ADJ
blsr-19367	89	39	39	39	NUM
blsr-19367	89	40	provisions	provision	NOUN
blsr-19367	89	41	of	of	ADP
blsr-19367	89	42	california	california	PROPN
blsr-19367	89	43	’s	’s	PART
blsr-19367	89	44	cartwright	cartwright	PROPN
blsr-19367	89	45	act	act	PROPN
blsr-19367	89	46	and	and	CCONJ
blsr-19367	89	47	unfair	unfair	ADJ
blsr-19367	89	48	competition	competition	NOUN
blsr-19367	89	49	law.49	law.49	NOUN
blsr-19367	89	50	regarding	regard	VERB
blsr-19367	89	51	evidence	evidence	NOUN
blsr-19367	89	52	,	,	PUNCT
blsr-19367	89	53	property	property	NOUN
blsr-19367	89	54	owners	owner	NOUN
blsr-19367	89	55	point	point	VERB
blsr-19367	89	56	to	to	ADP
blsr-19367	89	57	how	how	SCONJ
blsr-19367	89	58	insurers	insurer	NOUN
blsr-19367	89	59	“	"	PUNCT
blsr-19367	89	60	[	[	X
blsr-19367	89	61	conspired	conspire	VERB
blsr-19367	89	62	]	]	PUNCT
blsr-19367	89	63	to	to	PART
blsr-19367	89	64	eliminate	eliminate	VERB
blsr-19367	89	65	competition	competition	NOUN
blsr-19367	89	66	in	in	ADP
blsr-19367	89	67	the	the	DET
blsr-19367	89	68	marketplace	marketplace	NOUN
blsr-19367	89	69	”	"	PUNCT
blsr-19367	89	70	by	by	ADP
blsr-19367	89	71	“	"	PUNCT
blsr-19367	89	72	restricting	restrict	VERB
blsr-19367	89	73	business	business	NOUN
blsr-19367	89	74	in	in	ADP
blsr-19367	89	75	certain	certain	ADJ
blsr-19367	89	76	areas	area	NOUN
blsr-19367	89	77	of	of	ADP
blsr-19367	89	78	the	the	DET
blsr-19367	89	79	state	state	NOUN
blsr-19367	89	80	.	.	PUNCT
blsr-19367	90	1	”49	”49	ADP
blsr-19367	90	2	this	this	DET
blsr-19367	90	3	conspiracy	conspiracy	NOUN
blsr-19367	90	4	,	,	PUNCT
blsr-19367	90	5	the	the	DET
blsr-19367	90	6	plaintiffs	plaintiff	NOUN
blsr-19367	90	7	argue	argue	VERB
blsr-19367	90	8	,	,	PUNCT
blsr-19367	90	9	allowed	allow	VERB
blsr-19367	90	10	insurers	insurer	NOUN
blsr-19367	90	11	to	to	PART
blsr-19367	90	12	reduce	reduce	VERB
blsr-19367	90	13	their	their	PRON
blsr-19367	90	14	risk	risk	NOUN
blsr-19367	90	15	of	of	ADP
blsr-19367	90	16	losses	loss	NOUN
blsr-19367	90	17	and	and	CCONJ
blsr-19367	90	18	“	"	PUNCT
blsr-19367	90	19	forced	force	VERB
blsr-19367	90	20	[	[	X
blsr-19367	90	21	homeowners	homeowner	NOUN
blsr-19367	90	22	]	]	PUNCT
blsr-19367	90	23	to	to	PART
blsr-19367	90	24	obtain	obtain	VERB
blsr-19367	90	25	more	more	ADV
blsr-19367	90	26	expensive	expensive	ADJ
blsr-19367	90	27	policies	policy	NOUN
blsr-19367	90	28	with	with	ADP
blsr-19367	90	29	less	less	ADJ
blsr-19367	90	30	coverage	coverage	NOUN
blsr-19367	90	31	through	through	ADP
blsr-19367	90	32	the	the	DET
blsr-19367	90	33	california	california	PROPN
blsr-19367	91	1	[	[	X
blsr-19367	91	2	fair	fair	ADJ
blsr-19367	91	3	]	]	X
blsr-19367	91	4	plan	plan	NOUN
blsr-19367	91	5	.	.	PUNCT
blsr-19367	92	1	”49	”49	SCONJ
blsr-19367	92	2	as	as	ADP
blsr-19367	92	3	a	a	DET
blsr-19367	92	4	remedy	remedy	NOUN
blsr-19367	92	5	,	,	PUNCT
blsr-19367	92	6	homeowners	homeowner	NOUN
blsr-19367	92	7	are	be	AUX
blsr-19367	92	8	seeking	seek	VERB
blsr-19367	92	9	“	"	PUNCT
blsr-19367	92	10	compensatory	compensatory	ADJ
blsr-19367	92	11	and	and	CCONJ
blsr-19367	92	12	treble	treble	ADJ
blsr-19367	92	13	damages	damage	NOUN
blsr-19367	92	14	,	,	PUNCT
blsr-19367	92	15	as	as	ADV
blsr-19367	92	16	well	well	ADV
blsr-19367	92	17	as	as	ADP
blsr-19367	92	18	an	an	DET
blsr-19367	92	19	injunction	injunction	NOUN
blsr-19367	92	20	preventing	prevent	VERB
blsr-19367	92	21	the	the	DET
blsr-19367	92	22	insurers	insurer	NOUN
blsr-19367	92	23	from	from	ADP
blsr-19367	92	24	engaging	engage	VERB
blsr-19367	92	25	in	in	ADP
blsr-19367	92	26	anticompetitive	anticompetitive	ADJ
blsr-19367	92	27	behavior	behavior	NOUN
blsr-19367	92	28	.	.	PUNCT
blsr-19367	93	1	”49	”49	ADP
blsr-19367	93	2	all	all	PRON
blsr-19367	93	3	in	in	ADV
blsr-19367	93	4	all	all	PRON
blsr-19367	93	5	,	,	PUNCT
blsr-19367	93	6	while	while	SCONJ
blsr-19367	93	7	the	the	DET
blsr-19367	93	8	above	above	ADJ
blsr-19367	93	9	examples	example	NOUN
blsr-19367	93	10	are	be	AUX
blsr-19367	93	11	constrained	constrain	VERB
blsr-19367	93	12	to	to	ADP
blsr-19367	93	13	california	california	PROPN
blsr-19367	93	14	,	,	PUNCT
blsr-19367	93	15	they	they	PRON
blsr-19367	93	16	beg	beg	VERB
blsr-19367	93	17	the	the	DET
blsr-19367	93	18	question	question	NOUN
blsr-19367	93	19	of	of	ADP
blsr-19367	93	20	how	how	SCONJ
blsr-19367	93	21	this	this	DET
blsr-19367	93	22	type	type	NOUN
blsr-19367	93	23	of	of	ADP
blsr-19367	93	24	litigation	litigation	NOUN
blsr-19367	93	25	will	will	AUX
blsr-19367	93	26	extend	extend	VERB
blsr-19367	93	27	to	to	ADP
blsr-19367	93	28	other	other	ADJ
blsr-19367	93	29	states	state	NOUN
blsr-19367	93	30	.	.	PUNCT
blsr-19367	94	1	after	after	ADV
blsr-19367	94	2	all	all	ADV
blsr-19367	94	3	,	,	PUNCT
blsr-19367	94	4	it	it	PRON
blsr-19367	94	5	is	be	AUX
blsr-19367	94	6	not	not	PART
blsr-19367	94	7	just	just	ADV
blsr-19367	94	8	california	california	PROPN
blsr-19367	94	9	experiencing	experience	VERB
blsr-19367	94	10	a	a	DET
blsr-19367	94	11	homeowners	homeowner	NOUN
blsr-19367	94	12	insurance	insurance	NOUN
blsr-19367	94	13	crisis	crisis	NOUN
blsr-19367	94	14	from	from	ADP
blsr-19367	94	15	climate	climate	NOUN
blsr-19367	94	16	shocks	shock	NOUN
blsr-19367	94	17	(	(	PUNCT
blsr-19367	94	18	as	as	SCONJ
blsr-19367	94	19	previously	previously	ADV
blsr-19367	94	20	noted	note	VERB
blsr-19367	94	21	)	)	PUNCT
blsr-19367	94	22	.	.	PUNCT
blsr-19367	95	1	thus	thus	ADV
blsr-19367	95	2	,	,	PUNCT
blsr-19367	95	3	it	it	PRON
blsr-19367	95	4	is	be	AUX
blsr-19367	95	5	not	not	PART
blsr-19367	95	6	a	a	DET
blsr-19367	95	7	matter	matter	NOUN
blsr-19367	95	8	of	of	ADP
blsr-19367	95	9	if	if	SCONJ
blsr-19367	95	10	,	,	PUNCT
blsr-19367	95	11	but	but	CCONJ
blsr-19367	95	12	when	when	SCONJ
blsr-19367	95	13	,	,	PUNCT
blsr-19367	95	14	litigation	litigation	NOUN
blsr-19367	95	15	in	in	ADP
blsr-19367	95	16	other	other	ADJ
blsr-19367	95	17	parts	part	NOUN
blsr-19367	95	18	of	of	ADP
blsr-19367	95	19	the	the	DET
blsr-19367	95	20	country	country	NOUN
blsr-19367	95	21	will	will	AUX
blsr-19367	95	22	start	start	VERB
blsr-19367	95	23	to	to	PART
blsr-19367	95	24	pop	pop	VERB
blsr-19367	95	25	up	up	ADP
blsr-19367	95	26	.	.	PUNCT
blsr-19367	96	1	potential	potential	ADJ
blsr-19367	96	2	solutions	solution	NOUN
blsr-19367	96	3	&	&	CCONJ
blsr-19367	96	4	their	their	PRON
blsr-19367	96	5	shortfalls	shortfall	NOUN
blsr-19367	96	6	to	to	PART
blsr-19367	96	7	address	address	VERB
blsr-19367	96	8	the	the	DET
blsr-19367	96	9	homeowners	homeowner	NOUN
blsr-19367	96	10	'	'	PART
blsr-19367	96	11	insurance	insurance	NOUN
blsr-19367	96	12	crisis	crisis	NOUN
blsr-19367	96	13	as	as	SCONJ
blsr-19367	96	14	it	it	PRON
blsr-19367	96	15	relates	relate	VERB
blsr-19367	96	16	to	to	ADP
blsr-19367	96	17	climate	climate	NOUN
blsr-19367	96	18	shocks	shock	NOUN
blsr-19367	96	19	,	,	PUNCT
blsr-19367	96	20	several	several	ADJ
blsr-19367	96	21	states	state	NOUN
blsr-19367	96	22	have	have	AUX
blsr-19367	96	23	tried	try	VERB
blsr-19367	96	24	their	their	PRON
blsr-19367	96	25	hand	hand	NOUN
blsr-19367	96	26	at	at	ADP
blsr-19367	96	27	different	different	ADJ
blsr-19367	96	28	solutions	solution	NOUN
blsr-19367	96	29	.	.	PUNCT
blsr-19367	97	1	first	first	ADV
blsr-19367	97	2	,	,	PUNCT
blsr-19367	97	3	one	one	NUM
blsr-19367	97	4	of	of	ADP
blsr-19367	97	5	the	the	DET
blsr-19367	97	6	solutions	solution	NOUN
blsr-19367	97	7	,	,	PUNCT
blsr-19367	97	8	which	which	PRON
blsr-19367	97	9	has	have	AUX
blsr-19367	97	10	since	since	ADV
blsr-19367	97	11	been	be	AUX
blsr-19367	97	12	adopted	adopt	VERB
blsr-19367	97	13	by	by	ADP
blsr-19367	97	14	louisiana	louisiana	PROPN
blsr-19367	97	15	,	,	PUNCT
blsr-19367	97	16	is	be	AUX
blsr-19367	97	17	to	to	PART
blsr-19367	97	18	subsidize	subsidize	VERB
blsr-19367	97	19	private	private	ADJ
blsr-19367	97	20	insurance	insurance	NOUN
blsr-19367	97	21	companies.26	companies.26	ADJ
blsr-19367	97	22	although	although	SCONJ
blsr-19367	97	23	this	this	PRON
blsr-19367	97	24	keeps	keep	VERB
blsr-19367	97	25	insurers	insurer	NOUN
blsr-19367	97	26	from	from	ADP
blsr-19367	97	27	ceasing	cease	VERB
blsr-19367	97	28	their	their	PRON
blsr-19367	97	29	operations	operation	NOUN
blsr-19367	97	30	in	in	ADP
blsr-19367	97	31	high	high	ADJ
blsr-19367	97	32	-	-	PUNCT
blsr-19367	97	33	risk	risk	NOUN
blsr-19367	97	34	areas	area	NOUN
blsr-19367	97	35	,	,	PUNCT
blsr-19367	97	36	it	it	PRON
blsr-19367	97	37	has	have	VERB
blsr-19367	97	38	a	a	DET
blsr-19367	97	39	perverse	perverse	ADJ
blsr-19367	97	40	effect	effect	NOUN
blsr-19367	97	41	on	on	ADP
blsr-19367	97	42	the	the	DET
blsr-19367	97	43	real	real	ADJ
blsr-19367	97	44	estate	estate	NOUN
blsr-19367	97	45	market	market	NOUN
blsr-19367	97	46	.	.	PUNCT
blsr-19367	98	1	this	this	PRON
blsr-19367	98	2	is	be	AUX
blsr-19367	98	3	because	because	SCONJ
blsr-19367	98	4	such	such	ADJ
blsr-19367	98	5	subsidies	subsidy	NOUN
blsr-19367	98	6	“	"	PUNCT
blsr-19367	98	7	dampen	dampen	VERB
blsr-19367	98	8	the	the	DET
blsr-19367	98	9	price	price	NOUN
blsr-19367	98	10	signal	signal	NOUN
blsr-19367	98	11	that	that	SCONJ
blsr-19367	98	12	potential	potential	ADJ
blsr-19367	98	13	homebuyers	homebuyer	NOUN
blsr-19367	98	14	should	should	AUX
blsr-19367	98	15	receive	receive	VERB
blsr-19367	98	16	about	about	ADP
blsr-19367	98	17	the	the	DET
blsr-19367	98	18	true	true	ADJ
blsr-19367	98	19	costs	cost	NOUN
blsr-19367	98	20	of	of	ADP
blsr-19367	98	21	living	live	VERB
blsr-19367	98	22	in	in	ADP
blsr-19367	98	23	harm	harm	NOUN
blsr-19367	98	24	’s	’s	PART
blsr-19367	98	25	way	way	NOUN
blsr-19367	98	26	.	.	PUNCT
blsr-19367	98	27	”27	”27	ADV
blsr-19367	98	28	thus	thus	ADV
blsr-19367	98	29	,	,	PUNCT
blsr-19367	98	30	without	without	ADP
blsr-19367	98	31	knowing	know	VERB
blsr-19367	98	32	the	the	DET
blsr-19367	98	33	real	real	ADJ
blsr-19367	98	34	price	price	NOUN
blsr-19367	98	35	of	of	ADP
blsr-19367	98	36	their	their	PRON
blsr-19367	98	37	investment	investment	NOUN
blsr-19367	98	38	,	,	PUNCT
blsr-19367	98	39	people	people	NOUN
blsr-19367	98	40	will	will	AUX
blsr-19367	98	41	continue	continue	VERB
blsr-19367	98	42	to	to	PART
blsr-19367	98	43	settle	settle	VERB
blsr-19367	98	44	in	in	ADP
blsr-19367	98	45	the	the	DET
blsr-19367	98	46	most	most	ADV
blsr-19367	98	47	susceptible	susceptible	ADJ
blsr-19367	98	48	parts	part	NOUN
blsr-19367	98	49	of	of	ADP
blsr-19367	98	50	the	the	DET
blsr-19367	98	51	country	country	NOUN
blsr-19367	98	52	,	,	PUNCT
blsr-19367	98	53	an	an	DET
blsr-19367	98	54	aspect	aspect	NOUN
blsr-19367	98	55	that	that	PRON
blsr-19367	98	56	constitutes	constitute	VERB
blsr-19367	98	57	one	one	NUM
blsr-19367	98	58	of	of	ADP
blsr-19367	98	59	this	this	DET
blsr-19367	98	60	issue	issue	NOUN
blsr-19367	98	61	’s	’s	PART
blsr-19367	98	62	most	most	ADV
blsr-19367	98	63	pressing	press	VERB
blsr-19367	98	64	problems	problem	NOUN
blsr-19367	98	65	.	.	PUNCT
blsr-19367	99	1	another	another	DET
blsr-19367	99	2	potential	potential	ADJ
blsr-19367	99	3	solution	solution	NOUN
blsr-19367	99	4	concerns	concern	VERB
blsr-19367	99	5	insurance	insurance	NOUN
blsr-19367	99	6	companies	company	NOUN
blsr-19367	99	7	offering	offer	VERB
blsr-19367	99	8	premium	premium	NOUN
blsr-19367	99	9	discounts	discount	NOUN
blsr-19367	99	10	or	or	CCONJ
blsr-19367	99	11	states	state	NOUN
blsr-19367	99	12	offering	offer	VERB
blsr-19367	99	13	tax	tax	NOUN
blsr-19367	99	14	breaks	break	NOUN
blsr-19367	99	15	to	to	ADP
blsr-19367	99	16	homeowners	homeowner	NOUN
blsr-19367	99	17	who	who	PRON
blsr-19367	99	18	implement	implement	VERB
blsr-19367	99	19	protection	protection	NOUN
blsr-19367	99	20	measures.15	measures.15	NOUN
blsr-19367	99	21	these	these	DET
blsr-19367	99	22	measures	measure	NOUN
blsr-19367	99	23	40	40	NUM
blsr-19367	99	24	could	could	AUX
blsr-19367	99	25	include	include	VERB
blsr-19367	99	26	,	,	PUNCT
blsr-19367	99	27	but	but	CCONJ
blsr-19367	99	28	are	be	AUX
blsr-19367	99	29	not	not	PART
blsr-19367	99	30	limited	limit	VERB
blsr-19367	99	31	to	to	ADP
blsr-19367	99	32	,	,	PUNCT
blsr-19367	99	33	fire	fire	NOUN
blsr-19367	99	34	-	-	PUNCT
blsr-19367	99	35	resistant	resistant	ADJ
blsr-19367	99	36	siding	siding	NOUN
blsr-19367	99	37	,	,	PUNCT
blsr-19367	99	38	sprinkler	sprinkler	NOUN
blsr-19367	99	39	systems	system	NOUN
blsr-19367	99	40	,	,	PUNCT
blsr-19367	99	41	wind	wind	NOUN
blsr-19367	99	42	-	-	PUNCT
blsr-19367	99	43	resistant	resistant	ADJ
blsr-19367	99	44	roofing	roofing	NOUN
blsr-19367	99	45	,	,	PUNCT
blsr-19367	99	46	and	and	CCONJ
blsr-19367	99	47	hail	hail	NOUN
blsr-19367	99	48	-	-	PUNCT
blsr-19367	99	49	resistant	resistant	ADJ
blsr-19367	99	50	shingles.15,27	shingles.15,27	ADJ
blsr-19367	99	51	one	one	NUM
blsr-19367	99	52	example	example	NOUN
blsr-19367	99	53	of	of	ADP
blsr-19367	99	54	this	this	DET
blsr-19367	99	55	solution	solution	NOUN
blsr-19367	99	56	in	in	ADP
blsr-19367	99	57	action	action	NOUN
blsr-19367	99	58	can	can	AUX
blsr-19367	99	59	be	be	AUX
blsr-19367	99	60	seen	see	VERB
blsr-19367	99	61	in	in	ADP
blsr-19367	99	62	florida	florida	PROPN
blsr-19367	99	63	.	.	PUNCT
blsr-19367	100	1	here	here	ADV
blsr-19367	100	2	,	,	PUNCT
blsr-19367	100	3	some	some	DET
blsr-19367	100	4	private	private	ADJ
blsr-19367	100	5	insurance	insurance	NOUN
blsr-19367	100	6	companies	company	NOUN
blsr-19367	100	7	“	"	PUNCT
blsr-19367	100	8	are	be	AUX
blsr-19367	100	9	offering	offer	VERB
blsr-19367	100	10	discounts	discount	NOUN
blsr-19367	100	11	to	to	ADP
blsr-19367	100	12	policyholders	policyholder	NOUN
blsr-19367	100	13	that	that	PRON
blsr-19367	100	14	fortify	fortify	VERB
blsr-19367	100	15	their	their	PRON
blsr-19367	100	16	homes	home	NOUN
blsr-19367	100	17	against	against	ADP
blsr-19367	100	18	hurricane	hurricane	NOUN
blsr-19367	100	19	-	-	PUNCT
blsr-19367	100	20	force	force	NOUN
blsr-19367	100	21	winds	wind	NOUN
blsr-19367	100	22	by	by	ADP
blsr-19367	100	23	strengthening	strengthen	VERB
blsr-19367	100	24	and	and	CCONJ
blsr-19367	100	25	securing	secure	VERB
blsr-19367	100	26	roofs	roof	NOUN
blsr-19367	100	27	and	and	CCONJ
blsr-19367	100	28	shutters	shutter	NOUN
blsr-19367	100	29	and	and	CCONJ
blsr-19367	100	30	reinforcing	reinforce	VERB
blsr-19367	100	31	garage	garage	NOUN
blsr-19367	100	32	doors	door	NOUN
blsr-19367	100	33	.	.	PUNCT
blsr-19367	101	1	”15	”15	ADJ
blsr-19367	101	2	in	in	ADP
blsr-19367	101	3	terms	term	NOUN
blsr-19367	101	4	of	of	ADP
blsr-19367	101	5	tax	tax	NOUN
blsr-19367	101	6	breaks	break	NOUN
blsr-19367	101	7	,	,	PUNCT
blsr-19367	101	8	the	the	DET
blsr-19367	101	9	state	state	NOUN
blsr-19367	101	10	offers	offer	VERB
blsr-19367	101	11	“	"	PUNCT
blsr-19367	101	12	sales	sale	NOUN
blsr-19367	101	13	tax	tax	NOUN
blsr-19367	101	14	exemptions	exemption	NOUN
blsr-19367	101	15	for	for	ADP
blsr-19367	101	16	impact	impact	NOUN
blsr-19367	101	17	-	-	PUNCT
blsr-19367	101	18	resistant	resistant	ADJ
blsr-19367	101	19	windows	window	NOUN
blsr-19367	101	20	,	,	PUNCT
blsr-19367	101	21	doors	door	NOUN
blsr-19367	101	22	,	,	PUNCT
blsr-19367	101	23	and	and	CCONJ
blsr-19367	101	24	garage	garage	NOUN
blsr-19367	101	25	doors	door	NOUN
blsr-19367	101	26	.	.	PUNCT
blsr-19367	102	1	”15	”15	ADJ
blsr-19367	102	2	as	as	ADP
blsr-19367	102	3	for	for	ADP
blsr-19367	102	4	california	california	PROPN
blsr-19367	102	5	,	,	PUNCT
blsr-19367	102	6	the	the	DET
blsr-19367	102	7	state	state	NOUN
blsr-19367	102	8	provides	provide	VERB
blsr-19367	102	9	tax	tax	NOUN
blsr-19367	102	10	credits	credit	NOUN
blsr-19367	102	11	to	to	ADP
blsr-19367	102	12	“	"	PUNCT
blsr-19367	102	13	homeowners	homeowner	NOUN
blsr-19367	102	14	who	who	PRON
blsr-19367	102	15	make	make	VERB
blsr-19367	102	16	their	their	PRON
blsr-19367	102	17	homes	home	NOUN
blsr-19367	102	18	more	more	ADV
blsr-19367	102	19	resistant	resistant	ADJ
blsr-19367	102	20	to	to	ADP
blsr-19367	102	21	fires	fire	NOUN
blsr-19367	102	22	,	,	PUNCT
blsr-19367	102	23	wind	wind	NOUN
blsr-19367	102	24	,	,	PUNCT
blsr-19367	102	25	rain	rain	NOUN
blsr-19367	102	26	,	,	PUNCT
blsr-19367	102	27	and	and	CCONJ
blsr-19367	102	28	hail	hail	NOUN
blsr-19367	102	29	.	.	PUNCT
blsr-19367	103	1	”15	”15	PROPN
blsr-19367	104	1	undoubtedly	undoubtedly	ADV
blsr-19367	104	2	,	,	PUNCT
blsr-19367	104	3	this	this	DET
blsr-19367	104	4	solution	solution	NOUN
blsr-19367	104	5	appears	appear	VERB
blsr-19367	104	6	to	to	PART
blsr-19367	104	7	be	be	AUX
blsr-19367	104	8	a	a	DET
blsr-19367	104	9	win	win	NOUN
blsr-19367	104	10	-	-	PUNCT
blsr-19367	104	11	win	win	NOUN
blsr-19367	104	12	:	:	PUNCT
blsr-19367	104	13	policyholders	policyholder	NOUN
blsr-19367	104	14	get	get	VERB
blsr-19367	104	15	discounts	discount	NOUN
blsr-19367	104	16	and	and	CCONJ
blsr-19367	104	17	tax	tax	NOUN
blsr-19367	104	18	breaks	break	NOUN
blsr-19367	104	19	for	for	ADP
blsr-19367	104	20	making	make	VERB
blsr-19367	104	21	their	their	PRON
blsr-19367	104	22	homes	home	NOUN
blsr-19367	104	23	more	more	ADV
blsr-19367	104	24	resilient	resilient	ADJ
blsr-19367	104	25	,	,	PUNCT
blsr-19367	104	26	and	and	CCONJ
blsr-19367	104	27	insurers	insurer	NOUN
blsr-19367	104	28	reduce	reduce	VERB
blsr-19367	104	29	their	their	PRON
blsr-19367	104	30	risk	risk	NOUN
blsr-19367	104	31	of	of	ADP
blsr-19367	104	32	losses	loss	NOUN
blsr-19367	104	33	.	.	PUNCT
blsr-19367	105	1	this	this	PRON
blsr-19367	105	2	,	,	PUNCT
blsr-19367	105	3	however	however	ADV
blsr-19367	105	4	,	,	PUNCT
blsr-19367	105	5	does	do	AUX
blsr-19367	105	6	not	not	PART
blsr-19367	105	7	capture	capture	VERB
blsr-19367	105	8	the	the	DET
blsr-19367	105	9	full	full	ADJ
blsr-19367	105	10	picture	picture	NOUN
blsr-19367	105	11	.	.	PUNCT
blsr-19367	106	1	importantly	importantly	ADV
blsr-19367	106	2	,	,	PUNCT
blsr-19367	106	3	one	one	PRON
blsr-19367	106	4	must	must	AUX
blsr-19367	106	5	consider	consider	VERB
blsr-19367	106	6	the	the	DET
blsr-19367	106	7	expenses	expense	NOUN
blsr-19367	106	8	associated	associate	VERB
blsr-19367	106	9	with	with	ADP
blsr-19367	106	10	such	such	ADJ
blsr-19367	106	11	measures	measure	NOUN
blsr-19367	106	12	.	.	PUNCT
blsr-19367	107	1	these	these	DET
blsr-19367	107	2	expenses	expense	NOUN
blsr-19367	107	3	“	"	PUNCT
blsr-19367	107	4	may	may	AUX
blsr-19367	107	5	place	place	VERB
blsr-19367	107	6	additional	additional	ADJ
blsr-19367	107	7	financial	financial	ADJ
blsr-19367	107	8	burdens	burden	NOUN
blsr-19367	107	9	on	on	ADP
blsr-19367	107	10	policyholders	policyholder	NOUN
blsr-19367	107	11	over	over	ADP
blsr-19367	107	12	and	and	CCONJ
blsr-19367	107	13	above	above	ADP
blsr-19367	107	14	increasing	increase	VERB
blsr-19367	107	15	insurance	insurance	NOUN
blsr-19367	107	16	costs	cost	NOUN
blsr-19367	107	17	.	.	PUNCT
blsr-19367	108	1	”55	”55	PROPN
blsr-19367	108	2	therefore	therefore	ADV
blsr-19367	108	3	,	,	PUNCT
blsr-19367	108	4	this	this	DET
blsr-19367	108	5	solution	solution	NOUN
blsr-19367	108	6	could	could	AUX
blsr-19367	108	7	turn	turn	VERB
blsr-19367	108	8	out	out	ADP
blsr-19367	108	9	to	to	PART
blsr-19367	108	10	be	be	AUX
blsr-19367	108	11	a	a	DET
blsr-19367	108	12	net	net	ADJ
blsr-19367	108	13	negative	negative	NOUN
blsr-19367	108	14	for	for	ADP
blsr-19367	108	15	homeowners	homeowner	NOUN
blsr-19367	108	16	.	.	PUNCT
blsr-19367	109	1	adding	add	VERB
blsr-19367	109	2	to	to	ADP
blsr-19367	109	3	this	this	DET
blsr-19367	109	4	downside	downside	NOUN
blsr-19367	109	5	is	be	AUX
blsr-19367	109	6	the	the	DET
blsr-19367	109	7	possibility	possibility	NOUN
blsr-19367	109	8	that	that	SCONJ
blsr-19367	109	9	a	a	DET
blsr-19367	109	10	policyholder	policyholder	NOUN
blsr-19367	109	11	could	could	AUX
blsr-19367	109	12	receive	receive	VERB
blsr-19367	109	13	no	no	DET
blsr-19367	109	14	benefits	benefit	NOUN
blsr-19367	109	15	in	in	ADP
blsr-19367	109	16	return	return	NOUN
blsr-19367	109	17	for	for	ADP
blsr-19367	109	18	protecting	protect	VERB
blsr-19367	109	19	their	their	PRON
blsr-19367	109	20	home	home	NOUN
blsr-19367	109	21	.	.	PUNCT
blsr-19367	110	1	for	for	ADP
blsr-19367	110	2	example	example	NOUN
blsr-19367	110	3	,	,	PUNCT
blsr-19367	110	4	take	take	VERB
blsr-19367	110	5	richard	richard	PROPN
blsr-19367	110	6	zimmel	zimmel	PROPN
blsr-19367	110	7	,	,	PUNCT
blsr-19367	110	8	a	a	DET
blsr-19367	110	9	homeowner	homeowner	NOUN
blsr-19367	110	10	in	in	ADP
blsr-19367	110	11	silver	silver	ADJ
blsr-19367	110	12	city	city	NOUN
blsr-19367	110	13	,	,	PUNCT
blsr-19367	110	14	new	new	PROPN
blsr-19367	110	15	mexico	mexico	PROPN
blsr-19367	110	16	(	(	PUNCT
blsr-19367	110	17	an	an	DET
blsr-19367	110	18	area	area	NOUN
blsr-19367	110	19	at	at	ADP
blsr-19367	110	20	risk	risk	NOUN
blsr-19367	110	21	of	of	ADP
blsr-19367	110	22	wildfires).25	wildfires).25	PROPN
blsr-19367	110	23	despite	despite	SCONJ
blsr-19367	110	24	taking	take	VERB
blsr-19367	110	25	measures	measure	NOUN
blsr-19367	110	26	to	to	PART
blsr-19367	110	27	curb	curb	VERB
blsr-19367	110	28	his	his	PRON
blsr-19367	110	29	home	home	NOUN
blsr-19367	110	30	’s	’s	PART
blsr-19367	110	31	forest	forest	NOUN
blsr-19367	110	32	fire	fire	NOUN
blsr-19367	110	33	risk	risk	NOUN
blsr-19367	110	34	,	,	PUNCT
blsr-19367	110	35	including	include	VERB
blsr-19367	110	36	trimming	trim	VERB
blsr-19367	110	37	trees	tree	NOUN
blsr-19367	110	38	away	away	ADV
blsr-19367	110	39	from	from	ADP
blsr-19367	110	40	his	his	PRON
blsr-19367	110	41	house	house	NOUN
blsr-19367	110	42	,	,	PUNCT
blsr-19367	110	43	covering	cover	VERB
blsr-19367	110	44	his	his	PRON
blsr-19367	110	45	yard	yard	NOUN
blsr-19367	110	46	in	in	ADP
blsr-19367	110	47	gravel	gravel	NOUN
blsr-19367	110	48	to	to	PART
blsr-19367	110	49	stop	stop	VERB
blsr-19367	110	50	flames	flame	NOUN
blsr-19367	110	51	from	from	ADP
blsr-19367	110	52	rushing	rush	VERB
blsr-19367	110	53	onto	onto	ADP
blsr-19367	110	54	his	his	PRON
blsr-19367	110	55	property	property	NOUN
blsr-19367	110	56	,	,	PUNCT
blsr-19367	110	57	sheathing	sheathe	VERB
blsr-19367	110	58	his	his	PRON
blsr-19367	110	59	house	house	NOUN
blsr-19367	110	60	in	in	ADP
blsr-19367	110	61	fire	fire	NOUN
blsr-19367	110	62	-	-	PUNCT
blsr-19367	110	63	resistant	resistant	ADJ
blsr-19367	110	64	stucco	stucco	NOUN
blsr-19367	110	65	,	,	PUNCT
blsr-19367	110	66	and	and	CCONJ
blsr-19367	110	67	renovating	renovate	VERB
blsr-19367	110	68	his	his	PRON
blsr-19367	110	69	roof	roof	NOUN
blsr-19367	110	70	with	with	ADP
blsr-19367	110	71	noncombustible	noncombustible	ADJ
blsr-19367	110	72	steel	steel	NOUN
blsr-19367	110	73	,	,	PUNCT
blsr-19367	110	74	zimmel	zimmel	PROPN
blsr-19367	110	75	’s	’s	PROPN
blsr-19367	110	76	insurance	insurance	NOUN
blsr-19367	110	77	company	company	NOUN
blsr-19367	110	78	,	,	PUNCT
blsr-19367	110	79	homesite	homesite	PROPN
blsr-19367	110	80	,	,	PUNCT
blsr-19367	110	81	dropped	drop	VERB
blsr-19367	110	82	coverage	coverage	NOUN
blsr-19367	110	83	of	of	ADP
blsr-19367	110	84	his	his	PRON
blsr-19367	110	85	property	property	NOUN
blsr-19367	110	86	in	in	ADP
blsr-19367	110	87	december	december	PROPN
blsr-19367	110	88	of	of	ADP
blsr-19367	110	89	2024.25	2024.25	NUM
blsr-19367	110	90	as	as	ADP
blsr-19367	110	91	a	a	DET
blsr-19367	110	92	result	result	NOUN
blsr-19367	110	93	,	,	PUNCT
blsr-19367	110	94	zimmel	zimmel	PROPN
blsr-19367	110	95	was	be	AUX
blsr-19367	110	96	forced	force	VERB
blsr-19367	110	97	to	to	PART
blsr-19367	110	98	join	join	VERB
blsr-19367	110	99	the	the	DET
blsr-19367	110	100	many	many	ADJ
blsr-19367	110	101	others	other	NOUN
blsr-19367	110	102	across	across	ADP
blsr-19367	110	103	the	the	DET
blsr-19367	110	104	country	country	NOUN
blsr-19367	110	105	searching	search	VERB
blsr-19367	110	106	for	for	ADP
blsr-19367	110	107	homeowners	homeowner	NOUN
blsr-19367	110	108	insurance	insurance	NOUN
blsr-19367	110	109	.	.	PUNCT
blsr-19367	111	1	41	41	NUM
blsr-19367	111	2	a	a	DET
blsr-19367	111	3	third	third	ADJ
blsr-19367	111	4	solution	solution	NOUN
blsr-19367	111	5	might	might	AUX
blsr-19367	111	6	entail	entail	VERB
blsr-19367	111	7	federal	federal	ADJ
blsr-19367	111	8	government	government	NOUN
blsr-19367	111	9	intervention	intervention	NOUN
blsr-19367	111	10	akin	akin	ADJ
blsr-19367	111	11	to	to	ADP
blsr-19367	111	12	that	that	PRON
blsr-19367	111	13	which	which	PRON
blsr-19367	111	14	took	take	VERB
blsr-19367	111	15	place	place	NOUN
blsr-19367	111	16	in	in	ADP
blsr-19367	111	17	the	the	DET
blsr-19367	111	18	1960s	1960	NOUN
blsr-19367	111	19	.	.	PUNCT
blsr-19367	112	1	in	in	ADP
blsr-19367	112	2	1968	1968	NUM
blsr-19367	112	3	,	,	PUNCT
blsr-19367	112	4	congress	congress	PROPN
blsr-19367	112	5	created	create	VERB
blsr-19367	112	6	the	the	DET
blsr-19367	112	7	national	national	ADJ
blsr-19367	112	8	flood	flood	PROPN
blsr-19367	112	9	insurance	insurance	NOUN
blsr-19367	112	10	program	program	NOUN
blsr-19367	112	11	(	(	PUNCT
blsr-19367	112	12	nfip	nfip	PROPN
blsr-19367	112	13	)	)	PUNCT
blsr-19367	112	14	with	with	ADP
blsr-19367	112	15	the	the	DET
blsr-19367	112	16	goal	goal	NOUN
blsr-19367	112	17	of	of	ADP
blsr-19367	112	18	addressing	address	VERB
blsr-19367	112	19	the	the	DET
blsr-19367	112	20	lack	lack	NOUN
blsr-19367	112	21	of	of	ADP
blsr-19367	112	22	flood	flood	NOUN
blsr-19367	112	23	insurance	insurance	NOUN
blsr-19367	112	24	availability	availability	NOUN
blsr-19367	112	25	in	in	ADP
blsr-19367	112	26	vulnerable	vulnerable	ADJ
blsr-19367	112	27	areas.46	areas.46	NOUN
blsr-19367	112	28	this	this	DET
blsr-19367	112	29	issue	issue	NOUN
blsr-19367	112	30	arose	arise	VERB
blsr-19367	112	31	following	follow	VERB
blsr-19367	112	32	the	the	DET
blsr-19367	112	33	1927	1927	NUM
blsr-19367	112	34	mississippi	mississippi	NOUN
blsr-19367	112	35	flood	flood	PROPN
blsr-19367	112	36	,	,	PUNCT
blsr-19367	112	37	an	an	DET
blsr-19367	112	38	event	event	NOUN
blsr-19367	112	39	that	that	PRON
blsr-19367	112	40	resulted	result	VERB
blsr-19367	112	41	in	in	ADP
blsr-19367	112	42	major	major	ADJ
blsr-19367	112	43	insurance	insurance	NOUN
blsr-19367	112	44	companies	company	NOUN
blsr-19367	112	45	withdrawing	withdraw	VERB
blsr-19367	112	46	coverage	coverage	NOUN
blsr-19367	112	47	from	from	ADP
blsr-19367	112	48	areas	area	NOUN
blsr-19367	112	49	“	"	PUNCT
blsr-19367	112	50	exposed	expose	VERB
blsr-19367	112	51	to	to	ADP
blsr-19367	112	52	frequent	frequent	ADJ
blsr-19367	112	53	and	and	CCONJ
blsr-19367	112	54	correlated	correlate	VERB
blsr-19367	112	55	flood	flood	NOUN
blsr-19367	112	56	risk	risk	NOUN
blsr-19367	112	57	.	.	PUNCT
blsr-19367	113	1	”46	”46	VERB
blsr-19367	113	2	not	not	PART
blsr-19367	113	3	long	long	ADV
blsr-19367	113	4	after	after	ADP
blsr-19367	113	5	its	its	PRON
blsr-19367	113	6	creation	creation	NOUN
blsr-19367	113	7	,	,	PUNCT
blsr-19367	113	8	the	the	DET
blsr-19367	113	9	nfip	nfip	NOUN
blsr-19367	113	10	became	become	VERB
blsr-19367	113	11	“	"	PUNCT
blsr-19367	113	12	the	the	DET
blsr-19367	113	13	nation	nation	NOUN
blsr-19367	113	14	’s	’s	PART
blsr-19367	113	15	primary	primary	NOUN
blsr-19367	113	16	,	,	PUNCT
blsr-19367	113	17	and	and	CCONJ
blsr-19367	113	18	effectively	effectively	ADV
blsr-19367	113	19	only	only	ADV
blsr-19367	113	20	,	,	PUNCT
blsr-19367	113	21	provider	provider	NOUN
blsr-19367	113	22	of	of	ADP
blsr-19367	113	23	residential	residential	ADJ
blsr-19367	113	24	flood	flood	NOUN
blsr-19367	113	25	insurance	insurance	NOUN
blsr-19367	113	26	.	.	PUNCT
blsr-19367	114	1	”46	”46	VERB
blsr-19367	114	2	although	although	SCONJ
blsr-19367	114	3	the	the	DET
blsr-19367	114	4	nfip	nfip	NOUN
blsr-19367	114	5	fills	fill	VERB
blsr-19367	114	6	the	the	DET
blsr-19367	114	7	coverage	coverage	NOUN
blsr-19367	114	8	void	void	ADJ
blsr-19367	114	9	for	for	ADP
blsr-19367	114	10	homeowners	homeowner	NOUN
blsr-19367	114	11	in	in	ADP
blsr-19367	114	12	flood	flood	NOUN
blsr-19367	114	13	-	-	PUNCT
blsr-19367	114	14	prone	prone	ADJ
blsr-19367	114	15	areas	area	NOUN
blsr-19367	114	16	,	,	PUNCT
blsr-19367	114	17	it	it	PRON
blsr-19367	114	18	has	have	VERB
blsr-19367	114	19	various	various	ADJ
blsr-19367	114	20	flaws	flaw	NOUN
blsr-19367	114	21	.	.	PUNCT
blsr-19367	115	1	first	first	ADV
blsr-19367	115	2	,	,	PUNCT
blsr-19367	115	3	critics	critic	NOUN
blsr-19367	115	4	cite	cite	VERB
blsr-19367	115	5	the	the	DET
blsr-19367	115	6	nfip	nfip	PROPN
blsr-19367	115	7	’s	’s	PART
blsr-19367	115	8	role	role	NOUN
blsr-19367	115	9	in	in	ADP
blsr-19367	115	10	creating	create	VERB
blsr-19367	115	11	moral	moral	ADJ
blsr-19367	115	12	hazard.46	hazard.46	NOUN
blsr-19367	115	13	in	in	ADP
blsr-19367	115	14	this	this	DET
blsr-19367	115	15	case	case	NOUN
blsr-19367	115	16	,	,	PUNCT
blsr-19367	115	17	moral	moral	ADJ
blsr-19367	115	18	hazard	hazard	NOUN
blsr-19367	115	19	“	"	PUNCT
blsr-19367	115	20	refers	refer	VERB
blsr-19367	115	21	to	to	ADP
blsr-19367	115	22	the	the	DET
blsr-19367	115	23	risks	risk	NOUN
blsr-19367	115	24	that	that	PRON
blsr-19367	115	25	someone	someone	PRON
blsr-19367	115	26	becomes	become	VERB
blsr-19367	115	27	more	more	ADV
blsr-19367	115	28	inclined	inclined	ADJ
blsr-19367	115	29	to	to	PART
blsr-19367	115	30	take	take	VERB
blsr-19367	115	31	because	because	SCONJ
blsr-19367	115	32	they	they	PRON
blsr-19367	115	33	have	have	VERB
blsr-19367	115	34	reason	reason	NOUN
blsr-19367	115	35	to	to	PART
blsr-19367	115	36	believe	believe	VERB
blsr-19367	115	37	that	that	SCONJ
blsr-19367	115	38	an	an	DET
blsr-19367	115	39	insurer	insurer	NOUN
blsr-19367	115	40	will	will	AUX
blsr-19367	115	41	cover	cover	VERB
blsr-19367	115	42	the	the	DET
blsr-19367	115	43	costs	cost	NOUN
blsr-19367	115	44	of	of	ADP
blsr-19367	115	45	any	any	DET
blsr-19367	115	46	damages	damage	NOUN
blsr-19367	115	47	.	.	PUNCT
blsr-19367	116	1	”46	”46	PROPN
blsr-19367	116	2	put	put	VERB
blsr-19367	116	3	differently	differently	ADV
blsr-19367	116	4	,	,	PUNCT
blsr-19367	116	5	the	the	DET
blsr-19367	116	6	nfip	nfip	PROPN
blsr-19367	116	7	improperly	improperly	ADV
blsr-19367	116	8	incentivizes	incentivize	VERB
blsr-19367	116	9	“	"	PUNCT
blsr-19367	116	10	development	development	NOUN
blsr-19367	116	11	and	and	CCONJ
blsr-19367	116	12	growth	growth	NOUN
blsr-19367	116	13	in	in	ADP
blsr-19367	116	14	flood	flood	NOUN
blsr-19367	116	15	-	-	PUNCT
blsr-19367	116	16	exposed	expose	VERB
blsr-19367	116	17	areas	area	NOUN
blsr-19367	116	18	”	"	PUNCT
blsr-19367	116	19	by	by	ADP
blsr-19367	116	20	protecting	protect	VERB
blsr-19367	116	21	in	in	ADP
blsr-19367	116	22	the	the	DET
blsr-19367	116	23	event	event	NOUN
blsr-19367	116	24	of	of	ADP
blsr-19367	116	25	serious	serious	ADJ
blsr-19367	116	26	water	water	NOUN
blsr-19367	116	27	damage.46	damage.46	PROPN
blsr-19367	116	28	further	far	ADV
blsr-19367	116	29	,	,	PUNCT
blsr-19367	116	30	critics	critic	NOUN
blsr-19367	116	31	highlight	highlight	VERB
blsr-19367	116	32	the	the	DET
blsr-19367	116	33	nfip	nfip	PROPN
blsr-19367	116	34	’s	’s	PART
blsr-19367	116	35	financial	financial	ADJ
blsr-19367	116	36	instability	instability	NOUN
blsr-19367	116	37	,	,	PUNCT
blsr-19367	116	38	which	which	PRON
blsr-19367	116	39	can	can	AUX
blsr-19367	116	40	be	be	AUX
blsr-19367	116	41	attributed	attribute	VERB
blsr-19367	116	42	to	to	ADP
blsr-19367	116	43	its	its	PRON
blsr-19367	116	44	pricing	pricing	NOUN
blsr-19367	116	45	structure.46	structure.46	PROPN
blsr-19367	116	46	in	in	ADP
blsr-19367	116	47	particular	particular	ADJ
blsr-19367	116	48	,	,	PUNCT
blsr-19367	116	49	nfip	nfip	PROPN
blsr-19367	116	50	’s	’s	PART
blsr-19367	116	51	policies	policy	NOUN
blsr-19367	116	52	charge	charge	VERB
blsr-19367	116	53	substantially	substantially	ADV
blsr-19367	116	54	lower	low	ADJ
blsr-19367	116	55	rates	rate	NOUN
blsr-19367	116	56	than	than	SCONJ
blsr-19367	116	57	they	they	PRON
blsr-19367	116	58	should	should	AUX
blsr-19367	116	59	,	,	PUNCT
blsr-19367	116	60	given	give	VERB
blsr-19367	116	61	their	their	PRON
blsr-19367	116	62	risk	risk	NOUN
blsr-19367	116	63	exposure.46	exposure.46	NOUN
blsr-19367	116	64	its	its	PRON
blsr-19367	116	65	pricing	pricing	NOUN
blsr-19367	116	66	model	model	NOUN
blsr-19367	116	67	even	even	ADV
blsr-19367	116	68	depends	depend	VERB
blsr-19367	116	69	on	on	ADP
blsr-19367	116	70	periodic	periodic	ADJ
blsr-19367	116	71	infusions	infusion	NOUN
blsr-19367	116	72	of	of	ADP
blsr-19367	116	73	congressional	congressional	ADJ
blsr-19367	116	74	funding	funding	NOUN
blsr-19367	116	75	to	to	PART
blsr-19367	116	76	remain	remain	VERB
blsr-19367	116	77	operational.46	operational.46	NOUN
blsr-19367	116	78	surely	surely	ADV
blsr-19367	116	79	,	,	PUNCT
blsr-19367	116	80	when	when	SCONJ
blsr-19367	116	81	these	these	DET
blsr-19367	116	82	flaws	flaw	NOUN
blsr-19367	116	83	are	be	AUX
blsr-19367	116	84	taken	take	VERB
blsr-19367	116	85	into	into	ADP
blsr-19367	116	86	account	account	NOUN
blsr-19367	116	87	,	,	PUNCT
blsr-19367	116	88	proposals	proposal	NOUN
blsr-19367	116	89	by	by	ADP
blsr-19367	116	90	lawmakers	lawmaker	NOUN
blsr-19367	116	91	to	to	PART
blsr-19367	116	92	create	create	VERB
blsr-19367	116	93	an	an	DET
blsr-19367	116	94	analogous	analogous	ADJ
blsr-19367	116	95	program	program	NOUN
blsr-19367	116	96	for	for	ADP
blsr-19367	116	97	homeowners	homeowner	NOUN
blsr-19367	116	98	'	'	PART
blsr-19367	116	99	insurance	insurance	NOUN
blsr-19367	116	100	appear	appear	VERB
blsr-19367	116	101	unsuitable.35	unsuitable.35	NOUN
blsr-19367	116	102	an	an	DET
blsr-19367	116	103	additional	additional	ADJ
blsr-19367	116	104	solution	solution	NOUN
blsr-19367	116	105	,	,	PUNCT
blsr-19367	116	106	one	one	NUM
blsr-19367	116	107	which	which	PRON
blsr-19367	116	108	is	be	AUX
blsr-19367	116	109	controlled	control	VERB
blsr-19367	116	110	by	by	ADP
blsr-19367	116	111	the	the	DET
blsr-19367	116	112	states	state	NOUN
blsr-19367	116	113	,	,	PUNCT
blsr-19367	116	114	involves	involve	VERB
blsr-19367	116	115	updating	update	VERB
blsr-19367	116	116	building	building	NOUN
blsr-19367	116	117	codes.27	codes.27	PROPN
blsr-19367	116	118	for	for	ADP
blsr-19367	116	119	example	example	NOUN
blsr-19367	116	120	,	,	PUNCT
blsr-19367	116	121	california	california	PROPN
blsr-19367	116	122	has	have	AUX
blsr-19367	116	123	adopted	adopt	VERB
blsr-19367	116	124	wildfire	wildfire	NOUN
blsr-19367	116	125	codes	code	NOUN
blsr-19367	116	126	while	while	SCONJ
blsr-19367	116	127	florida	florida	PROPN
blsr-19367	116	128	has	have	AUX
blsr-19367	116	129	implemented	implement	VERB
blsr-19367	116	130	hurricane	hurricane	NOUN
blsr-19367	116	131	wind	wind	NOUN
blsr-19367	116	132	codes.27	codes.27	PROPN
blsr-19367	116	133	specifically	specifically	ADV
blsr-19367	116	134	,	,	PUNCT
blsr-19367	116	135	california	california	PROPN
blsr-19367	116	136	’s	’s	PART
blsr-19367	116	137	wildfire	wildfire	NOUN
blsr-19367	116	138	codes	code	NOUN
blsr-19367	116	139	require	require	VERB
blsr-19367	116	140	new	new	ADJ
blsr-19367	116	141	homes	home	NOUN
blsr-19367	116	142	constructed	construct	VERB
blsr-19367	116	143	within	within	ADP
blsr-19367	116	144	a	a	DET
blsr-19367	116	145	“	"	PUNCT
blsr-19367	116	146	state	state	NOUN
blsr-19367	116	147	responsibility	responsibility	NOUN
blsr-19367	116	148	area	area	NOUN
blsr-19367	116	149	”	"	PUNCT
blsr-19367	116	150	to	to	PART
blsr-19367	116	151	be	be	AUX
blsr-19367	116	152	built	build	VERB
blsr-19367	116	153	with	with	ADP
blsr-19367	116	154	fire	fire	NOUN
blsr-19367	116	155	-	-	PUNCT
blsr-19367	116	156	resistant	resistant	ADJ
blsr-19367	116	157	materials	material	NOUN
blsr-19367	116	158	,	,	PUNCT
blsr-19367	116	159	such	such	ADJ
blsr-19367	116	160	as	as	ADP
blsr-19367	116	161	specific	specific	ADJ
blsr-19367	116	162	roofing	roofing	NOUN
blsr-19367	116	163	,	,	PUNCT
blsr-19367	116	164	windows	window	NOUN
blsr-19367	116	165	,	,	PUNCT
blsr-19367	116	166	and	and	CCONJ
blsr-19367	116	167	eaves.23	eaves.23	NOUN
blsr-19367	116	168	as	as	ADP
blsr-19367	116	169	for	for	ADP
blsr-19367	116	170	florida	florida	PROPN
blsr-19367	116	171	,	,	PUNCT
blsr-19367	116	172	its	its	PRON
blsr-19367	116	173	building	building	NOUN
blsr-19367	116	174	codes	code	NOUN
blsr-19367	116	175	specify	specify	VERB
blsr-19367	116	176	four	four	NUM
blsr-19367	116	177	wind	wind	NOUN
blsr-19367	116	178	zones	zone	NOUN
blsr-19367	116	179	42	42	NUM
blsr-19367	116	180	(	(	PUNCT
blsr-19367	116	181	categorized	categorize	VERB
blsr-19367	116	182	by	by	ADP
blsr-19367	116	183	speed).10	speed).10	PROPN
blsr-19367	116	184	the	the	DET
blsr-19367	116	185	wind	wind	NOUN
blsr-19367	116	186	zone	zone	NOUN
blsr-19367	116	187	surrounding	surround	VERB
blsr-19367	116	188	a	a	DET
blsr-19367	116	189	new	new	ADJ
blsr-19367	116	190	home	home	NOUN
blsr-19367	116	191	determines	determine	VERB
blsr-19367	116	192	how	how	SCONJ
blsr-19367	116	193	it	it	PRON
blsr-19367	116	194	must	must	AUX
blsr-19367	116	195	be	be	AUX
blsr-19367	116	196	designed.10	designed.10	NOUN
blsr-19367	116	197	while	while	SCONJ
blsr-19367	116	198	updated	update	VERB
blsr-19367	116	199	building	building	NOUN
blsr-19367	116	200	codes	code	NOUN
blsr-19367	116	201	reduce	reduce	VERB
blsr-19367	116	202	the	the	DET
blsr-19367	116	203	risk	risk	NOUN
blsr-19367	116	204	of	of	ADP
blsr-19367	116	205	damage	damage	NOUN
blsr-19367	116	206	,	,	PUNCT
blsr-19367	116	207	it	it	PRON
blsr-19367	116	208	is	be	AUX
blsr-19367	116	209	important	important	ADJ
blsr-19367	116	210	to	to	PART
blsr-19367	116	211	note	note	VERB
blsr-19367	116	212	that	that	SCONJ
blsr-19367	116	213	they	they	PRON
blsr-19367	116	214	are	be	AUX
blsr-19367	116	215	only	only	ADV
blsr-19367	116	216	effective	effective	ADJ
blsr-19367	116	217	when	when	SCONJ
blsr-19367	116	218	it	it	PRON
blsr-19367	116	219	comes	come	VERB
blsr-19367	116	220	to	to	ADP
blsr-19367	116	221	new	new	ADJ
blsr-19367	116	222	construction	construction	NOUN
blsr-19367	116	223	.	.	PUNCT
blsr-19367	117	1	indeed	indeed	ADV
blsr-19367	117	2	,	,	PUNCT
blsr-19367	117	3	if	if	SCONJ
blsr-19367	117	4	society	society	NOUN
blsr-19367	117	5	would	would	AUX
blsr-19367	117	6	like	like	VERB
blsr-19367	117	7	to	to	PART
blsr-19367	117	8	put	put	VERB
blsr-19367	117	9	an	an	DET
blsr-19367	117	10	end	end	NOUN
blsr-19367	117	11	to	to	ADP
blsr-19367	117	12	the	the	DET
blsr-19367	117	13	homeowners	homeowner	NOUN
blsr-19367	117	14	'	'	PART
blsr-19367	117	15	insurance	insurance	NOUN
blsr-19367	117	16	crisis	crisis	NOUN
blsr-19367	117	17	,	,	PUNCT
blsr-19367	117	18	new	new	ADJ
blsr-19367	117	19	construction	construction	NOUN
blsr-19367	117	20	in	in	ADP
blsr-19367	117	21	high	high	ADJ
blsr-19367	117	22	-	-	PUNCT
blsr-19367	117	23	risk	risk	NOUN
blsr-19367	117	24	areas	area	NOUN
blsr-19367	117	25	is	be	AUX
blsr-19367	117	26	not	not	PART
blsr-19367	117	27	the	the	DET
blsr-19367	117	28	answer	answer	NOUN
blsr-19367	117	29	.	.	PUNCT
blsr-19367	118	1	the	the	DET
blsr-19367	118	2	final	final	ADJ
blsr-19367	118	3	solution	solution	NOUN
blsr-19367	118	4	to	to	PART
blsr-19367	118	5	address	address	NOUN
blsr-19367	118	6	is	be	AUX
blsr-19367	118	7	catastrophe	catastrophe	NOUN
blsr-19367	118	8	bonds	bond	NOUN
blsr-19367	118	9	,	,	PUNCT
blsr-19367	118	10	a	a	DET
blsr-19367	118	11	market	market	NOUN
blsr-19367	118	12	that	that	PRON
blsr-19367	118	13	has	have	AUX
blsr-19367	118	14	grown	grow	VERB
blsr-19367	118	15	to	to	ADP
blsr-19367	118	16	a	a	DET
blsr-19367	118	17	record	record	NOUN
blsr-19367	118	18	$	$	SYM
blsr-19367	118	19	50	50	NUM
blsr-19367	118	20	billion	billion	NUM
blsr-19367	118	21	(	(	PUNCT
blsr-19367	118	22	as	as	ADP
blsr-19367	118	23	of	of	ADP
blsr-19367	118	24	december	december	PROPN
blsr-19367	118	25	2024).45	2024).45	NUM
blsr-19367	118	26	a	a	DET
blsr-19367	118	27	catastrophe	catastrophe	NOUN
blsr-19367	118	28	bond	bond	NOUN
blsr-19367	118	29	,	,	PUNCT
blsr-19367	118	30	or	or	CCONJ
blsr-19367	118	31	cat	cat	NOUN
blsr-19367	118	32	bond	bond	NOUN
blsr-19367	118	33	,	,	PUNCT
blsr-19367	118	34	is	be	AUX
blsr-19367	118	35	defined	define	VERB
blsr-19367	118	36	as	as	ADP
blsr-19367	118	37	a	a	DET
blsr-19367	118	38	“	"	PUNCT
blsr-19367	118	39	high	high	ADJ
blsr-19367	118	40	-	-	PUNCT
blsr-19367	118	41	yield	yield	NOUN
blsr-19367	118	42	debt	debt	NOUN
blsr-19367	118	43	instrument	instrument	NOUN
blsr-19367	118	44	designed	design	VERB
blsr-19367	118	45	to	to	PART
blsr-19367	118	46	raise	raise	VERB
blsr-19367	118	47	money	money	NOUN
blsr-19367	118	48	for	for	ADP
blsr-19367	118	49	insurance	insurance	NOUN
blsr-19367	118	50	companies	company	NOUN
blsr-19367	118	51	in	in	ADP
blsr-19367	118	52	the	the	DET
blsr-19367	118	53	event	event	NOUN
blsr-19367	118	54	of	of	ADP
blsr-19367	118	55	a	a	DET
blsr-19367	118	56	natural	natural	ADJ
blsr-19367	118	57	disaster	disaster	NOUN
blsr-19367	118	58	.	.	PUNCT
blsr-19367	119	1	”30	”30	PROPN
blsr-19367	119	2	ultimately	ultimately	ADV
blsr-19367	119	3	,	,	PUNCT
blsr-19367	119	4	cat	cat	NOUN
blsr-19367	119	5	bonds	bond	NOUN
blsr-19367	119	6	allow	allow	VERB
blsr-19367	119	7	insurers	insurer	NOUN
blsr-19367	119	8	to	to	PART
blsr-19367	119	9	share	share	VERB
blsr-19367	119	10	the	the	DET
blsr-19367	119	11	risk	risk	NOUN
blsr-19367	119	12	of	of	ADP
blsr-19367	119	13	catastrophic	catastrophic	ADJ
blsr-19367	119	14	weather	weather	NOUN
blsr-19367	119	15	events	event	NOUN
blsr-19367	119	16	,	,	PUNCT
blsr-19367	119	17	such	such	ADJ
blsr-19367	119	18	as	as	ADP
blsr-19367	119	19	earthquakes	earthquake	NOUN
blsr-19367	119	20	,	,	PUNCT
blsr-19367	119	21	hurricanes	hurricane	NOUN
blsr-19367	119	22	,	,	PUNCT
blsr-19367	119	23	and	and	CCONJ
blsr-19367	119	24	floods	flood	NOUN
blsr-19367	119	25	,	,	PUNCT
blsr-19367	119	26	with	with	ADP
blsr-19367	119	27	investors.30	investors.30	PROPN
blsr-19367	119	28	if	if	SCONJ
blsr-19367	119	29	a	a	DET
blsr-19367	119	30	disaster	disaster	NOUN
blsr-19367	119	31	occurs	occur	VERB
blsr-19367	119	32	,	,	PUNCT
blsr-19367	119	33	insurance	insurance	NOUN
blsr-19367	119	34	companies	company	NOUN
blsr-19367	119	35	tap	tap	VERB
blsr-19367	119	36	into	into	ADP
blsr-19367	119	37	the	the	DET
blsr-19367	119	38	collateral	collateral	NOUN
blsr-19367	119	39	to	to	PART
blsr-19367	119	40	help	help	VERB
blsr-19367	119	41	pay	pay	VERB
blsr-19367	119	42	out	out	ADP
blsr-19367	119	43	their	their	PRON
blsr-19367	119	44	claims.30	claims.30	NOUN
blsr-19367	119	45	on	on	ADP
blsr-19367	119	46	the	the	DET
blsr-19367	119	47	flip	flip	ADJ
blsr-19367	119	48	side	side	NOUN
blsr-19367	119	49	,	,	PUNCT
blsr-19367	119	50	investors	investor	NOUN
blsr-19367	119	51	suffer	suffer	VERB
blsr-19367	119	52	heavy	heavy	ADJ
blsr-19367	119	53	losses.45	losses.45	NOUN
blsr-19367	119	54	if	if	SCONJ
blsr-19367	119	55	a	a	DET
blsr-19367	119	56	disaster	disaster	NOUN
blsr-19367	119	57	does	do	AUX
blsr-19367	119	58	not	not	PART
blsr-19367	119	59	occur	occur	VERB
blsr-19367	119	60	,	,	PUNCT
blsr-19367	119	61	however	however	ADV
blsr-19367	119	62	,	,	PUNCT
blsr-19367	119	63	investors	investor	NOUN
blsr-19367	119	64	can	can	AUX
blsr-19367	119	65	earn	earn	VERB
blsr-19367	119	66	double	double	ADJ
blsr-19367	119	67	-	-	PUNCT
blsr-19367	119	68	digit	digit	NOUN
blsr-19367	119	69	returns.45	returns.45	NOUN
blsr-19367	119	70	it	it	PRON
blsr-19367	119	71	is	be	AUX
blsr-19367	119	72	this	this	DET
blsr-19367	119	73	possibility	possibility	NOUN
blsr-19367	119	74	,	,	PUNCT
blsr-19367	119	75	combined	combine	VERB
blsr-19367	119	76	with	with	ADP
blsr-19367	119	77	the	the	DET
blsr-19367	119	78	portfolio	portfolio	NOUN
blsr-19367	119	79	diversification	diversification	NOUN
blsr-19367	119	80	benefits	benefit	NOUN
blsr-19367	119	81	,	,	PUNCT
blsr-19367	119	82	that	that	PRON
blsr-19367	119	83	attracts	attract	VERB
blsr-19367	119	84	investors	investor	NOUN
blsr-19367	119	85	to	to	PART
blsr-19367	119	86	catastrophe	catastrophe	NOUN
blsr-19367	119	87	bonds.30	bonds.30	NOUN
blsr-19367	119	88	it	it	PRON
blsr-19367	119	89	should	should	AUX
blsr-19367	119	90	be	be	AUX
blsr-19367	119	91	noted	note	VERB
blsr-19367	119	92	that	that	SCONJ
blsr-19367	119	93	these	these	DET
blsr-19367	119	94	bonds	bond	NOUN
blsr-19367	119	95	do	do	AUX
blsr-19367	119	96	not	not	PART
blsr-19367	119	97	come	come	VERB
blsr-19367	119	98	without	without	ADP
blsr-19367	119	99	risks	risk	NOUN
blsr-19367	119	100	,	,	PUNCT
blsr-19367	119	101	most	most	ADJ
blsr-19367	119	102	of	of	ADP
blsr-19367	119	103	which	which	PRON
blsr-19367	119	104	fall	fall	VERB
blsr-19367	119	105	upon	upon	SCONJ
blsr-19367	119	106	investors	investor	NOUN
blsr-19367	119	107	.	.	PUNCT
blsr-19367	120	1	for	for	ADP
blsr-19367	120	2	example	example	NOUN
blsr-19367	120	3	,	,	PUNCT
blsr-19367	120	4	if	if	SCONJ
blsr-19367	120	5	a	a	DET
blsr-19367	120	6	predefined	predefine	VERB
blsr-19367	120	7	disaster	disaster	NOUN
blsr-19367	120	8	occurs	occur	VERB
blsr-19367	120	9	before	before	ADP
blsr-19367	120	10	a	a	DET
blsr-19367	120	11	catastrophe	catastrophe	NOUN
blsr-19367	120	12	bond	bond	NOUN
blsr-19367	120	13	matures	mature	NOUN
blsr-19367	120	14	,	,	PUNCT
blsr-19367	120	15	investors	investor	NOUN
blsr-19367	120	16	can	can	AUX
blsr-19367	120	17	lose	lose	VERB
blsr-19367	120	18	their	their	PRON
blsr-19367	120	19	principal	principal	NOUN
blsr-19367	120	20	,	,	PUNCT
blsr-19367	120	21	and	and	CCONJ
blsr-19367	120	22	coupon	coupon	NOUN
blsr-19367	120	23	payments	payment	NOUN
blsr-19367	120	24	could	could	AUX
blsr-19367	120	25	be	be	AUX
blsr-19367	120	26	reduced	reduce	VERB
blsr-19367	120	27	or	or	CCONJ
blsr-19367	120	28	ceased.30,59	ceased.30,59	NOUN
blsr-19367	120	29	given	give	VERB
blsr-19367	120	30	the	the	DET
blsr-19367	120	31	increasing	increase	VERB
blsr-19367	120	32	frequency	frequency	NOUN
blsr-19367	120	33	of	of	ADP
blsr-19367	120	34	climate	climate	NOUN
blsr-19367	120	35	shocks	shock	NOUN
blsr-19367	120	36	(	(	PUNCT
blsr-19367	120	37	as	as	SCONJ
blsr-19367	120	38	discussed	discuss	VERB
blsr-19367	120	39	previously	previously	ADV
blsr-19367	120	40	)	)	PUNCT
blsr-19367	120	41	,	,	PUNCT
blsr-19367	120	42	as	as	ADV
blsr-19367	120	43	well	well	ADV
blsr-19367	120	44	as	as	ADP
blsr-19367	120	45	the	the	DET
blsr-19367	120	46	growing	grow	VERB
blsr-19367	120	47	market	market	NOUN
blsr-19367	120	48	for	for	ADP
blsr-19367	120	49	catastrophe	catastrophe	NOUN
blsr-19367	120	50	bonds	bond	NOUN
blsr-19367	120	51	,	,	PUNCT
blsr-19367	120	52	this	this	DET
blsr-19367	120	53	result	result	NOUN
blsr-19367	120	54	is	be	AUX
blsr-19367	120	55	likely	likely	ADJ
blsr-19367	120	56	to	to	PART
blsr-19367	120	57	become	become	VERB
blsr-19367	120	58	increasingly	increasingly	ADV
blsr-19367	120	59	common	common	ADJ
blsr-19367	120	60	,	,	PUNCT
blsr-19367	120	61	causing	cause	VERB
blsr-19367	120	62	investor	investor	NOUN
blsr-19367	120	63	losses	loss	NOUN
blsr-19367	120	64	to	to	PART
blsr-19367	120	65	multiply	multiply	VERB
blsr-19367	120	66	.	.	PUNCT
blsr-19367	121	1	conclusion	conclusion	NOUN
blsr-19367	121	2	&	&	CCONJ
blsr-19367	121	3	recommendations	recommendation	NOUN
blsr-19367	121	4	in	in	ADP
blsr-19367	121	5	light	light	NOUN
blsr-19367	121	6	of	of	ADP
blsr-19367	121	7	this	this	DET
blsr-19367	121	8	information	information	NOUN
blsr-19367	121	9	,	,	PUNCT
blsr-19367	121	10	it	it	PRON
blsr-19367	121	11	is	be	AUX
blsr-19367	121	12	imperative	imperative	ADJ
blsr-19367	121	13	to	to	PART
blsr-19367	121	14	propose	propose	VERB
blsr-19367	121	15	recommendations	recommendation	NOUN
blsr-19367	121	16	on	on	ADP
blsr-19367	121	17	how	how	SCONJ
blsr-19367	121	18	society	society	NOUN
blsr-19367	121	19	should	should	AUX
blsr-19367	121	20	move	move	VERB
blsr-19367	121	21	forward	forward	ADV
blsr-19367	121	22	.	.	PUNCT
blsr-19367	122	1	education	education	NOUN
blsr-19367	122	2	43	43	NUM
blsr-19367	122	3	one	one	NUM
blsr-19367	122	4	of	of	ADP
blsr-19367	122	5	the	the	DET
blsr-19367	122	6	first	first	ADJ
blsr-19367	122	7	steps	step	NOUN
blsr-19367	122	8	in	in	ADP
blsr-19367	122	9	addressing	address	VERB
blsr-19367	122	10	this	this	DET
blsr-19367	122	11	issue	issue	NOUN
blsr-19367	122	12	is	be	AUX
blsr-19367	122	13	to	to	PART
blsr-19367	122	14	educate	educate	VERB
blsr-19367	122	15	homeowners	homeowner	NOUN
blsr-19367	122	16	on	on	ADP
blsr-19367	122	17	climate	climate	NOUN
blsr-19367	122	18	-	-	PUNCT
blsr-19367	122	19	related	relate	VERB
blsr-19367	122	20	risks	risk	NOUN
blsr-19367	122	21	associated	associate	VERB
blsr-19367	122	22	with	with	ADP
blsr-19367	122	23	their	their	PRON
blsr-19367	122	24	dwellings.15	dwellings.15	NOUN
blsr-19367	122	25	this	this	DET
blsr-19367	122	26	education	education	NOUN
blsr-19367	122	27	can	can	AUX
blsr-19367	122	28	be	be	AUX
blsr-19367	122	29	provided	provide	VERB
blsr-19367	122	30	by	by	ADP
blsr-19367	122	31	insurance	insurance	NOUN
blsr-19367	122	32	companies	company	NOUN
blsr-19367	122	33	and/or	and/or	CCONJ
blsr-19367	122	34	state	state	NOUN
blsr-19367	122	35	regulators	regulator	NOUN
blsr-19367	122	36	,	,	PUNCT
blsr-19367	122	37	and	and	CCONJ
blsr-19367	122	38	may	may	AUX
blsr-19367	122	39	include	include	VERB
blsr-19367	122	40	scientific	scientific	ADJ
blsr-19367	122	41	data	datum	NOUN
blsr-19367	122	42	that	that	PRON
blsr-19367	122	43	outlines	outline	VERB
blsr-19367	122	44	the	the	DET
blsr-19367	122	45	growing	grow	VERB
blsr-19367	122	46	dangers	danger	NOUN
blsr-19367	122	47	posed	pose	VERB
blsr-19367	122	48	by	by	ADP
blsr-19367	122	49	past	past	NOUN
blsr-19367	122	50	and	and	CCONJ
blsr-19367	122	51	future	future	ADJ
blsr-19367	122	52	disasters	disaster	NOUN
blsr-19367	122	53	.	.	PUNCT
blsr-19367	123	1	it	it	PRON
blsr-19367	123	2	may	may	AUX
blsr-19367	123	3	also	also	ADV
blsr-19367	123	4	include	include	VERB
blsr-19367	123	5	ways	way	NOUN
blsr-19367	123	6	to	to	PART
blsr-19367	123	7	mitigate	mitigate	VERB
blsr-19367	123	8	or	or	CCONJ
blsr-19367	123	9	eliminate	eliminate	VERB
blsr-19367	123	10	a	a	DET
blsr-19367	123	11	home	home	NOUN
blsr-19367	123	12	’s	’s	PART
blsr-19367	123	13	vulnerabilities.15	vulnerabilities.15	NOUN
blsr-19367	123	14	in	in	ADP
blsr-19367	123	15	terms	term	NOUN
blsr-19367	123	16	of	of	ADP
blsr-19367	123	17	gathering	gather	VERB
blsr-19367	123	18	education	education	NOUN
blsr-19367	123	19	material	material	NOUN
blsr-19367	123	20	,	,	PUNCT
blsr-19367	123	21	state	state	NOUN
blsr-19367	123	22	regulators	regulator	NOUN
blsr-19367	123	23	and	and	CCONJ
blsr-19367	123	24	insurance	insurance	NOUN
blsr-19367	123	25	companies	company	NOUN
blsr-19367	123	26	can	can	AUX
blsr-19367	123	27	leverage	leverage	VERB
blsr-19367	123	28	artificial	artificial	ADJ
blsr-19367	123	29	intelligence	intelligence	NOUN
blsr-19367	123	30	.	.	PUNCT
blsr-19367	124	1	for	for	ADP
blsr-19367	124	2	example	example	NOUN
blsr-19367	124	3	,	,	PUNCT
blsr-19367	124	4	chubb	chubb	PROPN
blsr-19367	124	5	climate+	climate+	PROPN
blsr-19367	124	6	,	,	PUNCT
blsr-19367	124	7	a	a	DET
blsr-19367	124	8	business	business	NOUN
blsr-19367	124	9	unit	unit	NOUN
blsr-19367	124	10	within	within	ADP
blsr-19367	124	11	chubb	chubb	PROPN
blsr-19367	124	12	insurance	insurance	NOUN
blsr-19367	124	13	that	that	PRON
blsr-19367	124	14	supports	support	VERB
blsr-19367	124	15	companies	company	NOUN
blsr-19367	124	16	contributing	contribute	VERB
blsr-19367	124	17	to	to	ADP
blsr-19367	124	18	the	the	DET
blsr-19367	124	19	transition	transition	NOUN
blsr-19367	124	20	to	to	ADP
blsr-19367	124	21	a	a	DET
blsr-19367	124	22	low	low	ADJ
blsr-19367	124	23	-	-	PUNCT
blsr-19367	124	24	carbon	carbon	NOUN
blsr-19367	124	25	economy	economy	NOUN
blsr-19367	124	26	,	,	PUNCT
blsr-19367	124	27	“	"	PUNCT
blsr-19367	124	28	uses	use	VERB
blsr-19367	124	29	artificial	artificial	ADJ
blsr-19367	124	30	intelligence	intelligence	NOUN
blsr-19367	124	31	and	and	CCONJ
blsr-19367	124	32	advanced	advanced	ADJ
blsr-19367	124	33	data	datum	NOUN
blsr-19367	124	34	analytics	analytic	NOUN
blsr-19367	124	35	to	to	PART
blsr-19367	124	36	identify	identify	VERB
blsr-19367	124	37	vulnerable	vulnerable	ADJ
blsr-19367	124	38	households	household	NOUN
blsr-19367	124	39	and	and	CCONJ
blsr-19367	124	40	the	the	DET
blsr-19367	124	41	likely	likely	ADJ
blsr-19367	124	42	damage	damage	NOUN
blsr-19367	124	43	.	.	PUNCT
blsr-19367	125	1	”13,15	”13,15	PUNCT
blsr-19367	125	2	certainly	certainly	ADV
blsr-19367	125	3	,	,	PUNCT
blsr-19367	125	4	conveying	convey	VERB
blsr-19367	125	5	this	this	DET
blsr-19367	125	6	information	information	NOUN
blsr-19367	125	7	to	to	ADP
blsr-19367	125	8	both	both	CCONJ
blsr-19367	125	9	current	current	ADJ
blsr-19367	125	10	and	and	CCONJ
blsr-19367	125	11	prospective	prospective	ADJ
blsr-19367	125	12	homeowners	homeowner	NOUN
blsr-19367	125	13	can	can	AUX
blsr-19367	125	14	encourage	encourage	VERB
blsr-19367	125	15	them	they	PRON
blsr-19367	125	16	to	to	PART
blsr-19367	125	17	act	act	VERB
blsr-19367	125	18	–	–	PUNCT
blsr-19367	125	19	or	or	CCONJ
blsr-19367	125	20	,	,	PUNCT
blsr-19367	125	21	in	in	ADP
blsr-19367	125	22	some	some	DET
blsr-19367	125	23	cases	case	NOUN
blsr-19367	125	24	,	,	PUNCT
blsr-19367	125	25	consider	consider	VERB
blsr-19367	125	26	relocating	relocate	VERB
blsr-19367	125	27	.	.	PUNCT
blsr-19367	126	1	an	an	DET
blsr-19367	126	2	additional	additional	ADJ
blsr-19367	126	3	benefit	benefit	NOUN
blsr-19367	126	4	of	of	ADP
blsr-19367	126	5	education	education	NOUN
blsr-19367	126	6	is	be	AUX
blsr-19367	126	7	the	the	DET
blsr-19367	126	8	demand	demand	NOUN
blsr-19367	126	9	for	for	ADP
blsr-19367	126	10	it	it	PRON
blsr-19367	126	11	.	.	PUNCT
blsr-19367	127	1	according	accord	VERB
blsr-19367	127	2	to	to	ADP
blsr-19367	127	3	a	a	DET
blsr-19367	127	4	2024	2024	NUM
blsr-19367	127	5	deloitte	deloitte	NOUN
blsr-19367	127	6	survey	survey	NOUN
blsr-19367	127	7	of	of	ADP
blsr-19367	127	8	homeowners	homeowner	NOUN
blsr-19367	127	9	in	in	ADP
blsr-19367	127	10	u.s	u.s	PROPN
blsr-19367	127	11	.	.	PROPN
blsr-19367	127	12	states	state	NOUN
blsr-19367	127	13	at	at	ADP
blsr-19367	127	14	high	high	ADJ
blsr-19367	127	15	risk	risk	NOUN
blsr-19367	127	16	of	of	ADP
blsr-19367	127	17	climate	climate	NOUN
blsr-19367	127	18	-	-	PUNCT
blsr-19367	127	19	related	relate	VERB
blsr-19367	127	20	disasters	disaster	NOUN
blsr-19367	127	21	,	,	PUNCT
blsr-19367	127	22	84	84	NUM
blsr-19367	127	23	%	%	NOUN
blsr-19367	127	24	of	of	ADP
blsr-19367	127	25	respondents	respondent	NOUN
blsr-19367	127	26	said	say	VERB
blsr-19367	127	27	they	they	PRON
blsr-19367	127	28	want	want	VERB
blsr-19367	127	29	insurance	insurance	NOUN
blsr-19367	127	30	companies	company	NOUN
blsr-19367	127	31	to	to	PART
blsr-19367	127	32	educate	educate	VERB
blsr-19367	127	33	them	they	PRON
blsr-19367	127	34	on	on	ADP
blsr-19367	127	35	weather	weather	NOUN
blsr-19367	127	36	-	-	PUNCT
blsr-19367	127	37	related	relate	VERB
blsr-19367	127	38	risks.15	risks.15	NOUN
blsr-19367	127	39	indeed	indeed	ADV
blsr-19367	127	40	,	,	PUNCT
blsr-19367	127	41	this	this	PRON
blsr-19367	127	42	shows	show	VERB
blsr-19367	127	43	that	that	SCONJ
blsr-19367	127	44	homeowners	homeowner	NOUN
blsr-19367	127	45	are	be	AUX
blsr-19367	127	46	receptive	receptive	ADJ
blsr-19367	127	47	to	to	ADP
blsr-19367	127	48	education	education	NOUN
blsr-19367	127	49	and	and	CCONJ
blsr-19367	127	50	unlikely	unlikely	ADJ
blsr-19367	127	51	to	to	PART
blsr-19367	127	52	ignore	ignore	VERB
blsr-19367	127	53	warnings	warning	NOUN
blsr-19367	127	54	.	.	PUNCT
blsr-19367	128	1	alternatively	alternatively	ADV
blsr-19367	128	2	,	,	PUNCT
blsr-19367	128	3	there	there	PRON
blsr-19367	128	4	are	be	VERB
blsr-19367	128	5	downsides	downside	NOUN
blsr-19367	128	6	to	to	ADP
blsr-19367	128	7	education	education	VERB
blsr-19367	128	8	.	.	PUNCT
blsr-19367	129	1	for	for	ADP
blsr-19367	129	2	instance	instance	NOUN
blsr-19367	129	3	,	,	PUNCT
blsr-19367	129	4	education	education	NOUN
blsr-19367	129	5	does	do	AUX
blsr-19367	129	6	not	not	PART
blsr-19367	129	7	address	address	VERB
blsr-19367	129	8	the	the	DET
blsr-19367	129	9	root	root	NOUN
blsr-19367	129	10	cause	cause	NOUN
blsr-19367	129	11	of	of	ADP
blsr-19367	129	12	this	this	DET
blsr-19367	129	13	issue	issue	NOUN
blsr-19367	129	14	,	,	PUNCT
blsr-19367	129	15	that	that	ADV
blsr-19367	129	16	is	is	ADV
blsr-19367	129	17	,	,	PUNCT
blsr-19367	129	18	the	the	DET
blsr-19367	129	19	frequency	frequency	NOUN
blsr-19367	129	20	and	and	CCONJ
blsr-19367	129	21	intensity	intensity	NOUN
blsr-19367	129	22	of	of	ADP
blsr-19367	129	23	billion	billion	NUM
blsr-19367	129	24	-	-	PUNCT
blsr-19367	129	25	dollar	dollar	NOUN
blsr-19367	129	26	weather	weather	NOUN
blsr-19367	129	27	and	and	CCONJ
blsr-19367	129	28	climate	climate	NOUN
blsr-19367	129	29	disasters	disaster	NOUN
blsr-19367	129	30	.	.	PUNCT
blsr-19367	130	1	it	it	PRON
blsr-19367	130	2	has	have	VERB
blsr-19367	130	3	the	the	DET
blsr-19367	130	4	potential	potential	NOUN
blsr-19367	130	5	,	,	PUNCT
blsr-19367	130	6	however	however	ADV
blsr-19367	130	7	,	,	PUNCT
blsr-19367	130	8	to	to	PART
blsr-19367	130	9	better	well	ADV
blsr-19367	130	10	prepare	prepare	VERB
blsr-19367	130	11	homeowners	homeowner	NOUN
blsr-19367	130	12	for	for	ADP
blsr-19367	130	13	such	such	ADJ
blsr-19367	130	14	disasters	disaster	NOUN
blsr-19367	130	15	and	and	CCONJ
blsr-19367	130	16	influence	influence	VERB
blsr-19367	130	17	their	their	PRON
blsr-19367	130	18	settlement	settlement	NOUN
blsr-19367	130	19	decisions	decision	NOUN
blsr-19367	130	20	(	(	PUNCT
blsr-19367	130	21	as	as	SCONJ
blsr-19367	130	22	noted	note	VERB
blsr-19367	130	23	above	above	ADV
blsr-19367	130	24	)	)	PUNCT
blsr-19367	130	25	.	.	PUNCT
blsr-19367	131	1	renewable	renewable	ADJ
blsr-19367	131	2	energy	energy	NOUN
blsr-19367	131	3	the	the	DET
blsr-19367	131	4	second	second	ADJ
blsr-19367	131	5	,	,	PUNCT
blsr-19367	131	6	more	more	ADV
blsr-19367	131	7	long	long	ADJ
blsr-19367	131	8	-	-	PUNCT
blsr-19367	131	9	term	term	NOUN
blsr-19367	131	10	oriented	orient	VERB
blsr-19367	131	11	recommendation	recommendation	NOUN
blsr-19367	131	12	is	be	AUX
blsr-19367	131	13	to	to	PART
blsr-19367	131	14	encourage	encourage	VERB
blsr-19367	131	15	investments	investment	NOUN
blsr-19367	131	16	in	in	ADP
blsr-19367	131	17	renewable	renewable	ADJ
blsr-19367	131	18	energy	energy	NOUN
blsr-19367	131	19	,	,	PUNCT
blsr-19367	131	20	such	such	ADJ
blsr-19367	131	21	as	as	ADP
blsr-19367	131	22	solar	solar	ADJ
blsr-19367	131	23	,	,	PUNCT
blsr-19367	131	24	wind	wind	NOUN
blsr-19367	131	25	,	,	PUNCT
blsr-19367	131	26	geothermal	geothermal	NOUN
blsr-19367	131	27	,	,	PUNCT
blsr-19367	131	28	and	and	CCONJ
blsr-19367	131	29	hydropower	hydropower	NOUN
blsr-19367	131	30	,	,	PUNCT
blsr-19367	131	31	and	and	CCONJ
blsr-19367	131	32	‘	'	PUNCT
blsr-19367	131	33	nudge	nudge	VERB
blsr-19367	131	34	’	'	PUNCT
blsr-19367	131	35	society	society	NOUN
blsr-19367	131	36	toward	toward	ADP
blsr-19367	131	37	reducing	reduce	VERB
blsr-19367	131	38	its	its	PRON
blsr-19367	131	39	use	use	NOUN
blsr-19367	131	40	of	of	ADP
blsr-19367	131	41	fossil	fossil	ADJ
blsr-19367	131	42	fuels.60,64	fuels.60,64	NOUN
blsr-19367	131	43	this	this	PRON
blsr-19367	131	44	is	be	AUX
blsr-19367	131	45	because	because	SCONJ
blsr-19367	131	46	fossil	fossil	ADJ
blsr-19367	131	47	fuels	fuel	NOUN
blsr-19367	131	48	,	,	PUNCT
blsr-19367	131	49	such	such	ADJ
blsr-19367	131	50	as	as	ADP
blsr-19367	131	51	coal	coal	NOUN
blsr-19367	131	52	,	,	PUNCT
blsr-19367	131	53	oil	oil	NOUN
blsr-19367	131	54	,	,	PUNCT
blsr-19367	131	55	and	and	CCONJ
blsr-19367	131	56	natural	natural	ADJ
blsr-19367	131	57	gas	gas	NOUN
blsr-19367	131	58	,	,	PUNCT
blsr-19367	131	59	44	44	NUM
blsr-19367	131	60	contribute	contribute	VERB
blsr-19367	131	61	to	to	ADP
blsr-19367	131	62	greenhouse	greenhouse	NOUN
blsr-19367	131	63	gas	gas	NOUN
blsr-19367	131	64	emissions.9	emissions.9	NOUN
blsr-19367	131	65	research	research	NOUN
blsr-19367	131	66	has	have	AUX
blsr-19367	131	67	shown	show	VERB
blsr-19367	131	68	that	that	SCONJ
blsr-19367	131	69	these	these	DET
blsr-19367	131	70	emissions	emission	NOUN
blsr-19367	131	71	have	have	AUX
blsr-19367	131	72	“	"	PUNCT
blsr-19367	131	73	increased	increase	VERB
blsr-19367	131	74	the	the	DET
blsr-19367	131	75	frequency	frequency	NOUN
blsr-19367	131	76	and	and	CCONJ
blsr-19367	131	77	intensity	intensity	NOUN
blsr-19367	131	78	of	of	ADP
blsr-19367	131	79	extreme	extreme	ADJ
blsr-19367	131	80	weather	weather	NOUN
blsr-19367	131	81	events	event	NOUN
blsr-19367	131	82	.	.	PUNCT
blsr-19367	132	1	”20	”20	VERB
blsr-19367	132	2	the	the	DET
blsr-19367	132	3	strengths	strength	NOUN
blsr-19367	132	4	of	of	ADP
blsr-19367	132	5	this	this	DET
blsr-19367	132	6	recommendation	recommendation	NOUN
blsr-19367	132	7	are	be	AUX
blsr-19367	132	8	threefold	threefold	ADJ
blsr-19367	132	9	.	.	PUNCT
blsr-19367	133	1	first	first	ADV
blsr-19367	133	2	,	,	PUNCT
blsr-19367	133	3	according	accord	VERB
blsr-19367	133	4	to	to	ADP
blsr-19367	133	5	a	a	DET
blsr-19367	133	6	recent	recent	ADJ
blsr-19367	133	7	report	report	NOUN
blsr-19367	133	8	from	from	ADP
blsr-19367	133	9	the	the	DET
blsr-19367	133	10	international	international	ADJ
blsr-19367	133	11	renewable	renewable	ADJ
blsr-19367	133	12	energy	energy	NOUN
blsr-19367	133	13	agency	agency	NOUN
blsr-19367	133	14	,	,	PUNCT
blsr-19367	133	15	81	81	NUM
blsr-19367	133	16	%	%	NOUN
blsr-19367	133	17	of	of	ADP
blsr-19367	133	18	renewables	renewable	NOUN
blsr-19367	133	19	offer	offer	VERB
blsr-19367	133	20	cheaper	cheap	ADJ
blsr-19367	133	21	energy	energy	NOUN
blsr-19367	133	22	than	than	ADP
blsr-19367	133	23	fossil	fossil	ADJ
blsr-19367	133	24	fuels	fuel	NOUN
blsr-19367	133	25	,	,	PUNCT
blsr-19367	133	26	meaning	mean	VERB
blsr-19367	133	27	companies	company	NOUN
blsr-19367	133	28	have	have	VERB
blsr-19367	133	29	the	the	DET
blsr-19367	133	30	potential	potential	NOUN
blsr-19367	133	31	to	to	PART
blsr-19367	133	32	experience	experience	VERB
blsr-19367	133	33	significant	significant	ADJ
blsr-19367	133	34	cost	cost	NOUN
blsr-19367	133	35	savings	saving	NOUN
blsr-19367	133	36	43	43	NUM
blsr-19367	133	37	regarding	regard	VERB
blsr-19367	133	38	homeowners	homeowner	NOUN
blsr-19367	133	39	,	,	PUNCT
blsr-19367	133	40	they	they	PRON
blsr-19367	133	41	too	too	ADV
blsr-19367	133	42	can	can	AUX
blsr-19367	133	43	save	save	VERB
blsr-19367	133	44	money	money	NOUN
blsr-19367	133	45	.	.	PUNCT
blsr-19367	134	1	for	for	ADP
blsr-19367	134	2	example	example	NOUN
blsr-19367	134	3	,	,	PUNCT
blsr-19367	134	4	the	the	DET
blsr-19367	134	5	residential	residential	ADJ
blsr-19367	134	6	clean	clean	ADJ
blsr-19367	134	7	energy	energy	NOUN
blsr-19367	134	8	credit	credit	NOUN
blsr-19367	134	9	offers	offer	VERB
blsr-19367	134	10	to	to	PART
blsr-19367	134	11	reimburse	reimburse	VERB
blsr-19367	134	12	30	30	NUM
blsr-19367	134	13	%	%	NOUN
blsr-19367	134	14	of	of	ADP
blsr-19367	134	15	the	the	DET
blsr-19367	134	16	costs	cost	NOUN
blsr-19367	134	17	associated	associate	VERB
blsr-19367	134	18	with	with	ADP
blsr-19367	134	19	clean	clean	ADJ
blsr-19367	134	20	energy	energy	NOUN
blsr-19367	134	21	improvements	improvement	NOUN
blsr-19367	134	22	to	to	ADP
blsr-19367	134	23	new	new	ADJ
blsr-19367	134	24	or	or	CCONJ
blsr-19367	134	25	existing	exist	VERB
blsr-19367	134	26	homes	home	NOUN
blsr-19367	134	27	,	,	PUNCT
blsr-19367	134	28	such	such	ADJ
blsr-19367	134	29	as	as	ADP
blsr-19367	134	30	solar	solar	ADJ
blsr-19367	134	31	panels	panel	NOUN
blsr-19367	134	32	and	and	CCONJ
blsr-19367	134	33	solar	solar	ADJ
blsr-19367	134	34	water	water	NOUN
blsr-19367	134	35	heaters.56	heaters.56	ADV
blsr-19367	134	36	second	second	ADJ
blsr-19367	134	37	,	,	PUNCT
blsr-19367	134	38	investments	investment	NOUN
blsr-19367	134	39	in	in	ADP
blsr-19367	134	40	renewable	renewable	ADJ
blsr-19367	134	41	energy	energy	NOUN
blsr-19367	134	42	are	be	AUX
blsr-19367	134	43	coming	come	VERB
blsr-19367	134	44	off	off	ADP
blsr-19367	134	45	a	a	DET
blsr-19367	134	46	blockbuster	blockbuster	ADJ
blsr-19367	134	47	year	year	NOUN
blsr-19367	134	48	.	.	PUNCT
blsr-19367	135	1	for	for	ADP
blsr-19367	135	2	example	example	NOUN
blsr-19367	135	3	,	,	PUNCT
blsr-19367	135	4	“	"	PUNCT
blsr-19367	135	5	wind	wind	NOUN
blsr-19367	135	6	and	and	CCONJ
blsr-19367	135	7	solar	solar	ADJ
blsr-19367	135	8	generation	generation	NOUN
blsr-19367	135	9	[	[	AUX
blsr-19367	135	10	reached	reach	VERB
blsr-19367	135	11	]	]	PUNCT
blsr-19367	135	12	a	a	DET
blsr-19367	135	13	record	record	NOUN
blsr-19367	135	14	17	17	NUM
blsr-19367	135	15	%	%	NOUN
blsr-19367	135	16	of	of	ADP
blsr-19367	135	17	u.s	u.s	PROPN
blsr-19367	135	18	.	.	PROPN
blsr-19367	135	19	electricity	electricity	NOUN
blsr-19367	135	20	generation	generation	NOUN
blsr-19367	135	21	”	"	PUNCT
blsr-19367	135	22	in	in	ADP
blsr-19367	135	23	2024	2024	NUM
blsr-19367	135	24	and	and	CCONJ
blsr-19367	135	25	surpassed	surpass	VERB
blsr-19367	135	26	coal	coal	NOUN
blsr-19367	135	27	generation	generation	NOUN
blsr-19367	135	28	for	for	ADP
blsr-19367	135	29	the	the	DET
blsr-19367	135	30	first	first	ADJ
blsr-19367	135	31	time	time	NOUN
blsr-19367	135	32	in	in	ADP
blsr-19367	135	33	history.2	history.2	NOUN
blsr-19367	135	34	more	more	ADV
blsr-19367	135	35	recently	recently	ADV
blsr-19367	135	36	,	,	PUNCT
blsr-19367	135	37	march	march	PROPN
blsr-19367	135	38	2025	2025	NUM
blsr-19367	135	39	marked	mark	VERB
blsr-19367	135	40	an	an	DET
blsr-19367	135	41	unprecedented	unprecedented	ADJ
blsr-19367	135	42	month	month	NOUN
blsr-19367	135	43	,	,	PUNCT
blsr-19367	135	44	as	as	SCONJ
blsr-19367	135	45	“	"	PUNCT
blsr-19367	135	46	fossil	fossil	ADJ
blsr-19367	135	47	fuels	fuel	NOUN
blsr-19367	135	48	supplied	supply	VERB
blsr-19367	135	49	less	less	ADJ
blsr-19367	135	50	than	than	ADP
blsr-19367	135	51	half	half	DET
blsr-19367	135	52	the	the	DET
blsr-19367	135	53	united	united	PROPN
blsr-19367	135	54	states	states	PROPN
blsr-19367	135	55	’	'	PUNCT
blsr-19367	135	56	electricity	electricity	NOUN
blsr-19367	135	57	generation	generation	NOUN
blsr-19367	135	58	.	.	PUNCT
blsr-19367	136	1	”54	”54	VERB
blsr-19367	136	2	without	without	ADP
blsr-19367	136	3	a	a	DET
blsr-19367	136	4	doubt	doubt	NOUN
blsr-19367	136	5	,	,	PUNCT
blsr-19367	136	6	this	this	PRON
blsr-19367	136	7	suggests	suggest	VERB
blsr-19367	136	8	that	that	SCONJ
blsr-19367	136	9	there	there	PRON
blsr-19367	136	10	are	be	VERB
blsr-19367	136	11	numerous	numerous	ADJ
blsr-19367	136	12	investment	investment	NOUN
blsr-19367	136	13	opportunities	opportunity	NOUN
blsr-19367	136	14	involving	involve	VERB
blsr-19367	136	15	renewable	renewable	ADJ
blsr-19367	136	16	energy	energy	NOUN
blsr-19367	136	17	.	.	PUNCT
blsr-19367	137	1	as	as	ADP
blsr-19367	137	2	a	a	DET
blsr-19367	137	3	result	result	NOUN
blsr-19367	137	4	,	,	PUNCT
blsr-19367	137	5	companies	company	NOUN
blsr-19367	137	6	and	and	CCONJ
blsr-19367	137	7	individuals	individual	NOUN
blsr-19367	137	8	do	do	AUX
blsr-19367	137	9	not	not	PART
blsr-19367	137	10	have	have	VERB
blsr-19367	137	11	to	to	PART
blsr-19367	137	12	spend	spend	VERB
blsr-19367	137	13	time	time	NOUN
blsr-19367	137	14	searching	search	VERB
blsr-19367	137	15	for	for	ADP
blsr-19367	137	16	options	option	NOUN
blsr-19367	137	17	and	and	CCONJ
blsr-19367	137	18	risk	risk	NOUN
blsr-19367	137	19	investing	invest	VERB
blsr-19367	137	20	money	money	NOUN
blsr-19367	137	21	in	in	ADP
blsr-19367	137	22	an	an	DET
blsr-19367	137	23	industry	industry	NOUN
blsr-19367	137	24	that	that	PRON
blsr-19367	137	25	is	be	AUX
blsr-19367	137	26	not	not	PART
blsr-19367	137	27	yet	yet	ADV
blsr-19367	137	28	established	establish	VERB
blsr-19367	137	29	.	.	PUNCT
blsr-19367	138	1	third	third	ADJ
blsr-19367	138	2	,	,	PUNCT
blsr-19367	138	3	and	and	CCONJ
blsr-19367	138	4	possibly	possibly	ADV
blsr-19367	138	5	the	the	DET
blsr-19367	138	6	most	most	ADV
blsr-19367	138	7	important	important	ADJ
blsr-19367	138	8	,	,	PUNCT
blsr-19367	138	9	is	be	AUX
blsr-19367	138	10	that	that	SCONJ
blsr-19367	138	11	investing	invest	VERB
blsr-19367	138	12	in	in	ADP
blsr-19367	138	13	renewable	renewable	ADJ
blsr-19367	138	14	energy	energy	NOUN
blsr-19367	138	15	targets	target	NOUN
blsr-19367	138	16	the	the	DET
blsr-19367	138	17	root	root	NOUN
blsr-19367	138	18	cause	cause	NOUN
blsr-19367	138	19	of	of	ADP
blsr-19367	138	20	this	this	DET
blsr-19367	138	21	issue	issue	NOUN
blsr-19367	138	22	(	(	PUNCT
blsr-19367	138	23	the	the	DET
blsr-19367	138	24	frequency	frequency	NOUN
blsr-19367	138	25	and	and	CCONJ
blsr-19367	138	26	intensity	intensity	NOUN
blsr-19367	138	27	of	of	ADP
blsr-19367	138	28	weather	weather	NOUN
blsr-19367	138	29	and	and	CCONJ
blsr-19367	138	30	climate	climate	NOUN
blsr-19367	138	31	disasters	disaster	NOUN
blsr-19367	138	32	)	)	PUNCT
blsr-19367	138	33	and	and	CCONJ
blsr-19367	138	34	looks	look	VERB
blsr-19367	138	35	to	to	PART
blsr-19367	138	36	prevent	prevent	VERB
blsr-19367	138	37	it	it	PRON
blsr-19367	138	38	from	from	ADP
blsr-19367	138	39	growing	grow	VERB
blsr-19367	138	40	even	even	ADV
blsr-19367	138	41	further	far	ADV
blsr-19367	138	42	.	.	PUNCT
blsr-19367	139	1	this	this	DET
blsr-19367	139	2	recommendation	recommendation	NOUN
blsr-19367	139	3	,	,	PUNCT
blsr-19367	139	4	as	as	ADP
blsr-19367	139	5	with	with	ADP
blsr-19367	139	6	most	most	ADJ
blsr-19367	139	7	,	,	PUNCT
blsr-19367	139	8	also	also	ADV
blsr-19367	139	9	has	have	VERB
blsr-19367	139	10	some	some	DET
blsr-19367	139	11	weaknesses	weakness	NOUN
blsr-19367	139	12	.	.	PUNCT
blsr-19367	140	1	first	first	ADV
blsr-19367	140	2	,	,	PUNCT
blsr-19367	140	3	the	the	DET
blsr-19367	140	4	current	current	ADJ
blsr-19367	140	5	administration	administration	NOUN
blsr-19367	140	6	has	have	AUX
blsr-19367	140	7	endorsed	endorse	VERB
blsr-19367	140	8	the	the	DET
blsr-19367	140	9	use	use	NOUN
blsr-19367	140	10	of	of	ADP
blsr-19367	140	11	fossil	fossil	ADJ
blsr-19367	140	12	fuels	fuel	NOUN
blsr-19367	140	13	and	and	CCONJ
blsr-19367	140	14	indicated	indicate	VERB
blsr-19367	140	15	a	a	DET
blsr-19367	140	16	desire	desire	NOUN
blsr-19367	140	17	to	to	PART
blsr-19367	140	18	step	step	VERB
blsr-19367	140	19	back	back	ADV
blsr-19367	140	20	from	from	ADP
blsr-19367	140	21	renewable	renewable	ADJ
blsr-19367	140	22	energy.6	energy.6	NOUN
blsr-19367	140	23	for	for	ADP
blsr-19367	140	24	example	example	NOUN
blsr-19367	140	25	,	,	PUNCT
blsr-19367	140	26	in	in	ADP
blsr-19367	140	27	january	january	PROPN
blsr-19367	140	28	of	of	ADP
blsr-19367	140	29	2025	2025	NUM
blsr-19367	140	30	,	,	PUNCT
blsr-19367	140	31	an	an	DET
blsr-19367	140	32	executive	executive	ADJ
blsr-19367	140	33	order	order	NOUN
blsr-19367	140	34	was	be	AUX
blsr-19367	140	35	issued	issue	VERB
blsr-19367	140	36	calling	call	VERB
blsr-19367	140	37	for	for	ADP
blsr-19367	140	38	a	a	DET
blsr-19367	140	39	temporary	temporary	ADJ
blsr-19367	140	40	withdrawal	withdrawal	NOUN
blsr-19367	140	41	of	of	ADP
blsr-19367	140	42	new	new	ADJ
blsr-19367	140	43	wind	wind	NOUN
blsr-19367	140	44	projects	project	NOUN
blsr-19367	140	45	in	in	ADP
blsr-19367	140	46	federal	federal	ADJ
blsr-19367	140	47	territory.61	territory.61	NOUN
blsr-19367	140	48	also	also	ADV
blsr-19367	140	49	in	in	ADP
blsr-19367	140	50	january	january	PROPN
blsr-19367	140	51	of	of	ADP
blsr-19367	140	52	2025	2025	NUM
blsr-19367	140	53	,	,	PUNCT
blsr-19367	140	54	funding	funding	NOUN
blsr-19367	140	55	for	for	ADP
blsr-19367	140	56	the	the	DET
blsr-19367	140	57	2022	2022	NUM
blsr-19367	140	58	inflation	inflation	NOUN
blsr-19367	140	59	reduction	reduction	NOUN
blsr-19367	140	60	act	act	NOUN
blsr-19367	140	61	(	(	PUNCT
blsr-19367	140	62	the	the	DET
blsr-19367	140	63	ira	ira	PROPN
blsr-19367	140	64	)	)	PUNCT
blsr-19367	140	65	was	be	AUX
blsr-19367	140	66	frozen.2	frozen.2	ADV
blsr-19367	140	67	one	one	NUM
blsr-19367	140	68	of	of	ADP
blsr-19367	140	69	the	the	DET
blsr-19367	140	70	ira	ira	PROPN
blsr-19367	140	71	’s	’s	PART
blsr-19367	140	72	goals	goal	NOUN
blsr-19367	140	73	is	be	AUX
blsr-19367	140	74	to	to	PART
blsr-19367	140	75	“	"	PUNCT
blsr-19367	140	76	accelerate	accelerate	VERB
blsr-19367	140	77	the	the	DET
blsr-19367	140	78	deployment	deployment	NOUN
blsr-19367	140	79	of	of	ADP
blsr-19367	140	80	clean	clean	ADJ
blsr-19367	140	81	energy	energy	NOUN
blsr-19367	140	82	”	"	PUNCT
blsr-19367	140	83	using	use	VERB
blsr-19367	140	84	tax	tax	NOUN
blsr-19367	140	85	incentives	incentive	NOUN
blsr-19367	140	86	,	,	PUNCT
blsr-19367	140	87	among	among	ADP
blsr-19367	140	88	other	other	ADJ
blsr-19367	140	89	things.33	things.33	VERB
blsr-19367	140	90	these	these	DET
blsr-19367	140	91	45	45	NUM
blsr-19367	140	92	tax	tax	NOUN
blsr-19367	140	93	incentives	incentive	NOUN
blsr-19367	140	94	,	,	PUNCT
blsr-19367	140	95	which	which	PRON
blsr-19367	140	96	have	have	AUX
blsr-19367	140	97	since	since	SCONJ
blsr-19367	140	98	been	be	AUX
blsr-19367	140	99	paused	pause	VERB
blsr-19367	140	100	,	,	PUNCT
blsr-19367	140	101	apply	apply	VERB
blsr-19367	140	102	to	to	ADP
blsr-19367	140	103	the	the	DET
blsr-19367	140	104	production	production	NOUN
blsr-19367	140	105	and	and	CCONJ
blsr-19367	140	106	purchase	purchase	NOUN
blsr-19367	140	107	of	of	ADP
blsr-19367	140	108	domestic	domestic	ADJ
blsr-19367	140	109	clean	clean	ADJ
blsr-19367	140	110	energy	energy	NOUN
blsr-19367	140	111	technology.2	technology.2	PROPN
blsr-19367	140	112	in	in	ADP
blsr-19367	140	113	addition	addition	NOUN
blsr-19367	140	114	,	,	PUNCT
blsr-19367	140	115	the	the	DET
blsr-19367	140	116	newly	newly	ADV
blsr-19367	140	117	proposed	propose	VERB
blsr-19367	140	118	–	–	PUNCT
blsr-19367	140	119	but	but	CCONJ
blsr-19367	140	120	recently	recently	ADV
blsr-19367	140	121	delayed	delay	VERB
blsr-19367	140	122	–	–	PUNCT
blsr-19367	140	123	tariffs	tariff	NOUN
blsr-19367	140	124	could	could	AUX
blsr-19367	140	125	pose	pose	VERB
blsr-19367	140	126	a	a	DET
blsr-19367	140	127	headwind	headwind	NOUN
blsr-19367	140	128	for	for	ADP
blsr-19367	140	129	the	the	DET
blsr-19367	140	130	industry.2	industry.2	NOUN
blsr-19367	140	131	this	this	PRON
blsr-19367	140	132	is	be	AUX
blsr-19367	140	133	because	because	SCONJ
blsr-19367	140	134	“	"	PUNCT
blsr-19367	140	135	the	the	DET
blsr-19367	140	136	united	united	PROPN
blsr-19367	140	137	states	states	PROPN
blsr-19367	140	138	has	have	AUX
blsr-19367	140	139	become	become	VERB
blsr-19367	140	140	increasingly	increasingly	ADV
blsr-19367	140	141	reliant	reliant	ADJ
blsr-19367	140	142	on	on	ADP
blsr-19367	140	143	imported	import	VERB
blsr-19367	140	144	components	component	NOUN
blsr-19367	140	145	for	for	ADP
blsr-19367	140	146	key	key	ADJ
blsr-19367	140	147	clean	clean	ADJ
blsr-19367	140	148	energy	energy	NOUN
blsr-19367	140	149	technologies	technology	NOUN
blsr-19367	140	150	like	like	ADP
blsr-19367	140	151	solar	solar	ADJ
blsr-19367	140	152	panels	panel	NOUN
blsr-19367	140	153	,	,	PUNCT
blsr-19367	140	154	wind	wind	NOUN
blsr-19367	140	155	turbines	turbine	NOUN
blsr-19367	140	156	,	,	PUNCT
blsr-19367	140	157	and	and	CCONJ
blsr-19367	140	158	batteries	battery	NOUN
blsr-19367	140	159	.	.	PUNCT
blsr-19367	140	160	”2	”2	PUNCT
blsr-19367	141	1	as	as	ADP
blsr-19367	141	2	a	a	DET
blsr-19367	141	3	result	result	NOUN
blsr-19367	141	4	,	,	PUNCT
blsr-19367	141	5	the	the	DET
blsr-19367	141	6	deployment	deployment	NOUN
blsr-19367	141	7	of	of	ADP
blsr-19367	141	8	renewable	renewable	ADJ
blsr-19367	141	9	energy	energy	NOUN
blsr-19367	141	10	could	could	AUX
blsr-19367	141	11	become	become	VERB
blsr-19367	141	12	significantly	significantly	ADV
blsr-19367	141	13	more	more	ADJ
blsr-19367	141	14	expensive.2	expensive.2	PROPN
blsr-19367	141	15	all	all	PRON
blsr-19367	141	16	that	that	PRON
blsr-19367	141	17	said	say	VERB
blsr-19367	141	18	,	,	PUNCT
blsr-19367	141	19	there	there	PRON
blsr-19367	141	20	are	be	VERB
blsr-19367	141	21	still	still	ADV
blsr-19367	141	22	signs	sign	NOUN
blsr-19367	141	23	that	that	SCONJ
blsr-19367	141	24	this	this	DET
blsr-19367	141	25	recommendation	recommendation	NOUN
blsr-19367	141	26	has	have	AUX
blsr-19367	141	27	merit	merit	NOUN
blsr-19367	141	28	.	.	PUNCT
blsr-19367	142	1	these	these	DET
blsr-19367	142	2	orders	order	NOUN
blsr-19367	142	3	are	be	AUX
blsr-19367	142	4	temporary	temporary	ADJ
blsr-19367	142	5	.	.	PUNCT
blsr-19367	143	1	this	this	PRON
blsr-19367	143	2	means	mean	VERB
blsr-19367	143	3	that	that	SCONJ
blsr-19367	143	4	as	as	SCONJ
blsr-19367	143	5	time	time	NOUN
blsr-19367	143	6	passes	pass	VERB
blsr-19367	143	7	,	,	PUNCT
blsr-19367	143	8	the	the	DET
blsr-19367	143	9	administration	administration	NOUN
blsr-19367	143	10	’s	’s	PART
blsr-19367	143	11	investigation	investigation	NOUN
blsr-19367	143	12	into	into	ADP
blsr-19367	143	13	such	such	ADJ
blsr-19367	143	14	matters	matter	NOUN
blsr-19367	143	15	,	,	PUNCT
blsr-19367	143	16	which	which	PRON
blsr-19367	143	17	is	be	AUX
blsr-19367	143	18	likely	likely	ADJ
blsr-19367	143	19	to	to	PART
blsr-19367	143	20	include	include	VERB
blsr-19367	143	21	discussions	discussion	NOUN
blsr-19367	143	22	with	with	ADP
blsr-19367	143	23	industry	industry	NOUN
blsr-19367	143	24	experts	expert	NOUN
blsr-19367	143	25	,	,	PUNCT
blsr-19367	143	26	may	may	AUX
blsr-19367	143	27	cause	cause	VERB
blsr-19367	143	28	them	they	PRON
blsr-19367	143	29	to	to	PART
blsr-19367	143	30	recognize	recognize	VERB
blsr-19367	143	31	the	the	DET
blsr-19367	143	32	effects	effect	NOUN
blsr-19367	143	33	of	of	ADP
blsr-19367	143	34	certain	certain	ADJ
blsr-19367	143	35	actions	action	NOUN
blsr-19367	143	36	.	.	PUNCT
blsr-19367	144	1	consequently	consequently	ADV
blsr-19367	144	2	,	,	PUNCT
blsr-19367	144	3	they	they	PRON
blsr-19367	144	4	may	may	AUX
blsr-19367	144	5	alter	alter	VERB
blsr-19367	144	6	their	their	PRON
blsr-19367	144	7	course	course	NOUN
blsr-19367	144	8	.	.	PUNCT
blsr-19367	145	1	finally	finally	ADV
blsr-19367	145	2	,	,	PUNCT
blsr-19367	145	3	the	the	DET
blsr-19367	145	4	current	current	ADJ
blsr-19367	145	5	political	political	ADJ
blsr-19367	145	6	environment	environment	NOUN
blsr-19367	145	7	can	can	AUX
blsr-19367	145	8	overshadow	overshadow	VERB
blsr-19367	145	9	the	the	DET
blsr-19367	145	10	optimism	optimism	NOUN
blsr-19367	145	11	that	that	PRON
blsr-19367	145	12	remains	remain	VERB
blsr-19367	145	13	for	for	ADP
blsr-19367	145	14	the	the	DET
blsr-19367	145	15	future	future	NOUN
blsr-19367	145	16	.	.	PUNCT
blsr-19367	146	1	as	as	SCONJ
blsr-19367	146	2	hortense	hortense	PROPN
blsr-19367	146	3	bioy	bioy	PROPN
blsr-19367	146	4	,	,	PUNCT
blsr-19367	146	5	global	global	ADJ
blsr-19367	146	6	head	head	NOUN
blsr-19367	146	7	of	of	ADP
blsr-19367	146	8	sustainability	sustainability	NOUN
blsr-19367	146	9	research	research	NOUN
blsr-19367	146	10	at	at	ADP
blsr-19367	146	11	morningstar	morningstar	NOUN
blsr-19367	146	12	,	,	PUNCT
blsr-19367	146	13	put	put	VERB
blsr-19367	146	14	it	it	PRON
blsr-19367	146	15	,	,	PUNCT
blsr-19367	146	16	“	"	PUNCT
blsr-19367	146	17	despite	despite	SCONJ
blsr-19367	146	18	the	the	DET
blsr-19367	146	19	short	short	ADJ
blsr-19367	146	20	-	-	PUNCT
blsr-19367	146	21	term	term	NOUN
blsr-19367	146	22	uncertainty	uncertainty	NOUN
blsr-19367	146	23	in	in	ADP
blsr-19367	146	24	the	the	DET
blsr-19367	146	25	us	us	PROPN
blsr-19367	146	26	,	,	PUNCT
blsr-19367	146	27	the	the	DET
blsr-19367	146	28	long	long	ADJ
blsr-19367	146	29	-	-	PUNCT
blsr-19367	146	30	term	term	NOUN
blsr-19367	146	31	drivers	driver	NOUN
blsr-19367	146	32	for	for	ADP
blsr-19367	146	33	clean	clean	ADJ
blsr-19367	146	34	energy	energy	NOUN
blsr-19367	146	35	remain	remain	VERB
blsr-19367	146	36	intact	intact	ADJ
blsr-19367	146	37	and	and	CCONJ
blsr-19367	146	38	the	the	DET
blsr-19367	146	39	outlook	outlook	NOUN
blsr-19367	146	40	for	for	ADP
blsr-19367	146	41	the	the	DET
blsr-19367	146	42	sector	sector	NOUN
blsr-19367	146	43	remains	remain	VERB
blsr-19367	146	44	positive	positive	ADJ
blsr-19367	146	45	.	.	PUNCT
blsr-19367	147	1	history	history	NOUN
blsr-19367	147	2	has	have	AUX
blsr-19367	147	3	shown	show	VERB
blsr-19367	147	4	that	that	SCONJ
blsr-19367	147	5	the	the	DET
blsr-19367	147	6	energy	energy	NOUN
blsr-19367	147	7	transition	transition	NOUN
blsr-19367	147	8	will	will	AUX
blsr-19367	147	9	continue	continue	VERB
blsr-19367	147	10	regardless	regardless	ADV
blsr-19367	147	11	of	of	ADP
blsr-19367	147	12	[	[	PUNCT
blsr-19367	147	13	the	the	DET
blsr-19367	147	14	administration].”4	administration].”4	PRON
blsr-19367	147	15	to	to	PART
blsr-19367	147	16	conclude	conclude	VERB
blsr-19367	147	17	,	,	PUNCT
blsr-19367	147	18	climate	climate	NOUN
blsr-19367	147	19	shocks	shock	NOUN
blsr-19367	147	20	have	have	AUX
blsr-19367	147	21	made	make	VERB
blsr-19367	147	22	a	a	DET
blsr-19367	147	23	lasting	last	VERB
blsr-19367	147	24	mark	mark	NOUN
blsr-19367	147	25	on	on	ADP
blsr-19367	147	26	the	the	DET
blsr-19367	147	27	homeowners	homeowner	NOUN
blsr-19367	147	28	'	'	PART
blsr-19367	147	29	insurance	insurance	NOUN
blsr-19367	147	30	industry	industry	NOUN
blsr-19367	147	31	.	.	PUNCT
blsr-19367	148	1	from	from	ADP
blsr-19367	148	2	increasing	increase	VERB
blsr-19367	148	3	premiums	premium	NOUN
blsr-19367	148	4	and	and	CCONJ
blsr-19367	148	5	non	non	ADJ
blsr-19367	148	6	-	-	ADJ
blsr-19367	148	7	renewal	renewal	ADJ
blsr-19367	148	8	rates	rate	NOUN
blsr-19367	148	9	to	to	ADP
blsr-19367	148	10	the	the	DET
blsr-19367	148	11	rising	rise	VERB
blsr-19367	148	12	number	number	NOUN
blsr-19367	148	13	of	of	ADP
blsr-19367	148	14	non	non	ADJ
blsr-19367	148	15	-	-	ADJ
blsr-19367	148	16	admitted	admit	VERB
blsr-19367	148	17	and	and	CCONJ
blsr-19367	148	18	insurer	insurer	NOUN
blsr-19367	148	19	of	of	ADP
blsr-19367	148	20	last	last	ADJ
blsr-19367	148	21	resort	resort	NOUN
blsr-19367	148	22	policies	policy	NOUN
blsr-19367	148	23	,	,	PUNCT
blsr-19367	148	24	the	the	DET
blsr-19367	148	25	consequences	consequence	NOUN
blsr-19367	148	26	have	have	AUX
blsr-19367	148	27	been	be	AUX
blsr-19367	148	28	serious	serious	ADJ
blsr-19367	148	29	.	.	PUNCT
blsr-19367	149	1	expanding	expand	VERB
blsr-19367	149	2	on	on	ADP
blsr-19367	149	3	these	these	DET
blsr-19367	149	4	consequences	consequence	NOUN
blsr-19367	149	5	reveals	reveal	VERB
blsr-19367	149	6	their	their	PRON
blsr-19367	149	7	economic	economic	ADJ
blsr-19367	149	8	and	and	CCONJ
blsr-19367	149	9	legal	legal	ADJ
blsr-19367	149	10	implications	implication	NOUN
blsr-19367	149	11	,	,	PUNCT
blsr-19367	149	12	both	both	PRON
blsr-19367	149	13	of	of	ADP
blsr-19367	149	14	which	which	PRON
blsr-19367	149	15	suggest	suggest	VERB
blsr-19367	149	16	a	a	DET
blsr-19367	149	17	grim	grim	ADJ
blsr-19367	149	18	outlook	outlook	NOUN
blsr-19367	149	19	for	for	ADP
blsr-19367	149	20	the	the	DET
blsr-19367	149	21	future	future	NOUN
blsr-19367	149	22	of	of	ADP
blsr-19367	149	23	the	the	DET
blsr-19367	149	24	united	united	PROPN
blsr-19367	149	25	states	states	PROPN
blsr-19367	149	26	.	.	PUNCT
blsr-19367	150	1	this	this	DET
blsr-19367	150	2	outlook	outlook	NOUN
blsr-19367	150	3	,	,	PUNCT
blsr-19367	150	4	however	however	ADV
blsr-19367	150	5	,	,	PUNCT
blsr-19367	150	6	can	can	AUX
blsr-19367	150	7	be	be	AUX
blsr-19367	150	8	improved	improve	VERB
blsr-19367	150	9	by	by	ADP
blsr-19367	150	10	educating	educate	VERB
blsr-19367	150	11	the	the	DET
blsr-19367	150	12	public	public	NOUN
blsr-19367	150	13	on	on	ADP
blsr-19367	150	14	climate	climate	NOUN
blsr-19367	150	15	-	-	PUNCT
blsr-19367	150	16	related	relate	VERB
blsr-19367	150	17	risks	risk	NOUN
blsr-19367	150	18	and	and	CCONJ
blsr-19367	150	19	committing	commit	VERB
blsr-19367	150	20	to	to	PART
blsr-19367	150	21	renewable	renewable	ADJ
blsr-19367	150	22	energy	energy	NOUN
blsr-19367	150	23	.	.	PUNCT
blsr-19367	151	1	otherwise	otherwise	ADV
blsr-19367	151	2	,	,	PUNCT
blsr-19367	151	3	it	it	PRON
blsr-19367	151	4	is	be	AUX
blsr-19367	151	5	only	only	ADV
blsr-19367	151	6	a	a	DET
blsr-19367	151	7	matter	matter	NOUN
blsr-19367	151	8	of	of	ADP
blsr-19367	151	9	time	time	NOUN
blsr-19367	151	10	before	before	SCONJ
blsr-19367	151	11	the	the	DET
blsr-19367	151	12	entirety	entirety	NOUN
blsr-19367	151	13	of	of	ADP
blsr-19367	151	14	america	america	PROPN
blsr-19367	151	15	begins	begin	VERB
blsr-19367	151	16	to	to	PART
blsr-19367	151	17	feel	feel	VERB
blsr-19367	151	18	the	the	DET
blsr-19367	151	19	effects	effect	NOUN
blsr-19367	151	20	.	.	PUNCT
blsr-19367	152	1	46	46	NUM
blsr-19367	152	2	appendix	appendix	NOUN
blsr-19367	152	3	exhibit	exhibit	VERB
blsr-19367	152	4	1	1	NUM
blsr-19367	152	5	source	source	NOUN
blsr-19367	152	6	:	:	PUNCT
blsr-19367	152	7	noaa	noaa	PROPN
blsr-19367	152	8	exhibit	exhibit	VERB
blsr-19367	152	9	2	2	NUM
blsr-19367	152	10	source	source	NOUN
blsr-19367	152	11	:	:	PUNCT
blsr-19367	152	12	senate	senate	PROPN
blsr-19367	152	13	budget	budget	PROPN
blsr-19367	152	14	committee	committee	PROPN
blsr-19367	152	15	47	47	NUM
blsr-19367	152	16	exhibit	exhibit	NOUN
blsr-19367	152	17	3	3	NUM
blsr-19367	152	18	source	source	NOUN
blsr-19367	152	19	:	:	PUNCT
blsr-19367	152	20	senate	senate	PROPN
blsr-19367	152	21	budget	budget	PROPN
blsr-19367	152	22	committee	committee	PROPN
blsr-19367	152	23	exhibit	exhibit	VERB
blsr-19367	152	24	4	4	NUM
blsr-19367	152	25	source	source	NOUN
blsr-19367	152	26	:	:	PUNCT
blsr-19367	152	27	senate	senate	PROPN
blsr-19367	152	28	budget	budget	PROPN
blsr-19367	152	29	committee	committee	PROPN
blsr-19367	152	30	48	48	NUM
blsr-19367	152	31	exhibit	exhibit	NOUN
blsr-19367	152	32	5	5	NUM
blsr-19367	152	33	source	source	NOUN
blsr-19367	152	34	:	:	PUNCT
blsr-19367	152	35	senate	senate	PROPN
blsr-19367	152	36	budget	budget	PROPN
blsr-19367	152	37	committee	committee	PROPN
blsr-19367	152	38	exhibit	exhibit	VERB
blsr-19367	152	39	6	6	NUM
blsr-19367	152	40	types	type	NOUN
blsr-19367	152	41	of	of	ADP
blsr-19367	152	42	homeowners	homeowner	NOUN
blsr-19367	152	43	insurance	insurance	NOUN
blsr-19367	152	44	*	*	PUNCT
blsr-19367	152	45	acv	acv	ADJ
blsr-19367	152	46	:	:	PUNCT
blsr-19367	152	47	actual	actual	ADJ
blsr-19367	152	48	cash	cash	NOUN
blsr-19367	152	49	value	value	NOUN
blsr-19367	152	50	source	source	NOUN
blsr-19367	152	51	:	:	PUNCT
blsr-19367	152	52	forbes	forbes	PROPN
blsr-19367	152	53	49	49	NUM
blsr-19367	152	54	exhibit	exhibit	VERB
blsr-19367	152	55	7	7	NUM
blsr-19367	152	56	source	source	NOUN
blsr-19367	152	57	:	:	PUNCT
blsr-19367	152	58	california	california	PROPN
blsr-19367	152	59	fair	fair	PROPN
blsr-19367	152	60	plan	plan	NOUN
blsr-19367	152	61	exhibit	exhibit	VERB
blsr-19367	152	62	8	8	NUM
blsr-19367	152	63	source	source	NOUN
blsr-19367	152	64	:	:	PUNCT
blsr-19367	152	65	bloomberg	bloomberg	PROPN
blsr-19367	152	66	50	50	NUM
blsr-19367	152	67	bibliography	bibliography	NOUN
blsr-19367	152	68	1	1	NUM
blsr-19367	152	69	“	"	PUNCT
blsr-19367	152	70	about	about	ADP
blsr-19367	152	71	.	.	PUNCT
blsr-19367	152	72	”	"	PUNCT
blsr-19367	153	1	the	the	DET
blsr-19367	153	2	california	california	PROPN
blsr-19367	153	3	fair	fair	PROPN
blsr-19367	153	4	plan	plan	NOUN
blsr-19367	153	5	,	,	PUNCT
blsr-19367	153	6	n.d	n.d	PROPN
blsr-19367	153	7	.	.	PROPN
blsr-19367	153	8	http://www.cfpnet.com/about-fair-plan/.	http://www.cfpnet.com/about-fair-plan/.	ADJ
blsr-19367	153	9	2	2	NUM
blsr-19367	153	10	abrahams	abraham	NOUN
blsr-19367	153	11	,	,	PUNCT
blsr-19367	153	12	leslie	leslie	PROPN
blsr-19367	153	13	.	.	PUNCT
blsr-19367	154	1	“	"	PUNCT
blsr-19367	154	2	the	the	DET
blsr-19367	154	3	impacts	impact	NOUN
blsr-19367	154	4	of	of	ADP
blsr-19367	154	5	tariffs	tariff	NOUN
blsr-19367	154	6	on	on	ADP
blsr-19367	154	7	clean	clean	ADJ
blsr-19367	154	8	energy	energy	NOUN
blsr-19367	154	9	technologies	technology	NOUN
blsr-19367	154	10	.	.	PUNCT
blsr-19367	154	11	”	"	PUNCT
blsr-19367	155	1	center	center	NOUN
blsr-19367	155	2	for	for	ADP
blsr-19367	155	3	strategic	strategic	ADJ
blsr-19367	155	4	and	and	CCONJ
blsr-19367	155	5	international	international	ADJ
blsr-19367	155	6	studies	study	NOUN
blsr-19367	155	7	,	,	PUNCT
blsr-19367	155	8	april	april	PROPN
blsr-19367	155	9	10	10	NUM
blsr-19367	155	10	,	,	PUNCT
blsr-19367	155	11	2025	2025	NUM
blsr-19367	155	12	.	.	PUNCT
blsr-19367	156	1	http://www.csis.org/analysis/impacts-tariffs-clean-energy-technologies	http://www.csis.org/analysis/impacts-tariffs-clean-energy-technologie	NOUN
blsr-19367	156	2	.	.	PUNCT
blsr-19367	157	1	3	3	NUM
blsr-19367	157	2	alexander	alexander	PROPN
blsr-19367	157	3	,	,	PUNCT
blsr-19367	157	4	sophie	sophie	NOUN
blsr-19367	157	5	,	,	PUNCT
blsr-19367	157	6	and	and	CCONJ
blsr-19367	157	7	leslie	leslie	PROPN
blsr-19367	157	8	kaufman	kaufman	PROPN
blsr-19367	157	9	.	.	PUNCT
blsr-19367	158	1	“	"	PUNCT
blsr-19367	158	2	the	the	DET
blsr-19367	158	3	quiet	quiet	ADJ
blsr-19367	158	4	rise	rise	NOUN
blsr-19367	158	5	of	of	ADP
blsr-19367	158	6	lightly	lightly	ADV
blsr-19367	158	7	regulated	regulate	VERB
blsr-19367	158	8	home	home	NOUN
blsr-19367	158	9	insurance	insurance	NOUN
blsr-19367	158	10	.	.	PUNCT
blsr-19367	158	11	”	"	PUNCT
blsr-19367	159	1	bloomberg	bloomberg	PROPN
blsr-19367	159	2	,	,	PUNCT
blsr-19367	159	3	december	december	PROPN
blsr-19367	159	4	3	3	NUM
blsr-19367	159	5	,	,	PUNCT
blsr-19367	159	6	2024	2024	NUM
blsr-19367	159	7	.	.	PUNCT
blsr-19367	160	1	https://www.bloomberg.com/graphics/2024-home-insurance-risky-policy/?srnd=homepag	https://www.bloomberg.com/graphics/2024-home-insurance-risky-policy/?srnd=homepag	PROPN
blsr-19367	160	2	e	e	X
blsr-19367	160	3	-	-	PROPN
blsr-19367	160	4	europe	europe	PROPN
blsr-19367	160	5	.	.	PUNCT
blsr-19367	161	1	4	4	NUM
blsr-19367	161	2	baselli	baselli	PROPN
blsr-19367	161	3	,	,	PUNCT
blsr-19367	161	4	valerio	valerio	PROPN
blsr-19367	161	5	.	.	PUNCT
blsr-19367	162	1	“	"	PUNCT
blsr-19367	162	2	can	can	AUX
blsr-19367	162	3	renewable	renewable	VERB
blsr-19367	162	4	energy	energy	NOUN
blsr-19367	162	5	stocks	stock	NOUN
blsr-19367	162	6	prosper	prosper	VERB
blsr-19367	162	7	during	during	ADP
blsr-19367	162	8	trump	trump	NOUN
blsr-19367	162	9	’s	’s	PART
blsr-19367	162	10	second	second	ADJ
blsr-19367	162	11	term	term	NOUN
blsr-19367	162	12	?	?	PUNCT
blsr-19367	162	13	”	"	PUNCT
blsr-19367	162	14	morningstar	morningstar	PROPN
blsr-19367	162	15	,	,	PUNCT
blsr-19367	162	16	april	april	PROPN
blsr-19367	162	17	15	15	NUM
blsr-19367	162	18	,	,	PUNCT
blsr-19367	162	19	2025	2025	NUM
blsr-19367	162	20	.	.	PUNCT
blsr-19367	163	1	https://www.morningstar.com/sustainable-investing/can-renewable-energy-stocks-prosper	https://www.morningstar.com/sustainable-investing/can-renewable-energy-stocks-prosper	PRON
blsr-19367	163	2	-during	-during	NOUN
blsr-19367	163	3	-	-	PUNCT
blsr-19367	163	4	trumps	trumps	ADP
blsr-19367	163	5	-	-	PUNCT
blsr-19367	163	6	second	second	ADJ
blsr-19367	163	7	-	-	PUNCT
blsr-19367	163	8	term	term	NOUN
blsr-19367	163	9	.	.	PUNCT
blsr-19367	164	1	5	5	NUM
blsr-19367	164	2	becketti	becketti	NOUN
blsr-19367	164	3	,	,	PUNCT
blsr-19367	164	4	sean	sean	PROPN
blsr-19367	164	5	.	.	PUNCT
blsr-19367	165	1	rising	rise	VERB
blsr-19367	165	2	seas	sea	NOUN
blsr-19367	165	3	,	,	PUNCT
blsr-19367	165	4	rising	rise	VERB
blsr-19367	165	5	costs	cost	NOUN
blsr-19367	165	6	:	:	PUNCT
blsr-19367	165	7	climate	climate	NOUN
blsr-19367	165	8	change	change	NOUN
blsr-19367	165	9	and	and	CCONJ
blsr-19367	165	10	the	the	DET
blsr-19367	165	11	economic	economic	ADJ
blsr-19367	165	12	risks	risk	NOUN
blsr-19367	165	13	to	to	ADP
blsr-19367	165	14	coastal	coastal	ADJ
blsr-19367	165	15	communities	community	NOUN
blsr-19367	165	16	,	,	PUNCT
blsr-19367	165	17	118th	118th	PROPN
blsr-19367	165	18	cong	cong	NOUN
blsr-19367	165	19	.	.	PUNCT
blsr-19367	166	1	(	(	PUNCT
blsr-19367	166	2	2023	2023	NUM
blsr-19367	166	3	)	)	PUNCT
blsr-19367	166	4	.	.	PUNCT
blsr-19367	167	1	https://www.budget.senate.gov/imo/media/doc/dr.%20sean%20becketti%20-%20testim	https://www.budget.senate.gov/imo/media/doc/dr.%20sean%20becketti%20-%20testim	ADJ
blsr-19367	167	2	ony%20-%20senate%20budget%20committee.pdf	ony%20-%20senate%20budget%20committee.pdf	PROPN
blsr-19367	167	3	.	.	PROPN
blsr-19367	167	4	6	6	NUM
blsr-19367	167	5	brady	brady	PROPN
blsr-19367	167	6	,	,	PUNCT
blsr-19367	167	7	jeff	jeff	PROPN
blsr-19367	167	8	.	.	PUNCT
blsr-19367	168	1	“	"	PUNCT
blsr-19367	168	2	as	as	SCONJ
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blsr-19367	168	5	to	to	PART
blsr-19367	168	6	embrace	embrace	VERB
blsr-19367	168	7	fossil	fossil	ADJ
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blsr-19367	168	9	,	,	PUNCT
blsr-19367	168	10	u.s	u.s	PROPN
blsr-19367	168	11	.	.	PROPN
blsr-19367	168	12	climate	climate	NOUN
blsr-19367	168	13	policy	policy	NOUN
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blsr-19367	168	15	n’t	not	PART
blsr-19367	168	16	change	change	VERB
blsr-19367	168	17	quickly	quickly	ADV
blsr-19367	168	18	.	.	PUNCT
blsr-19367	168	19	”	"	PUNCT
blsr-19367	169	1	npr	npr	PROPN
blsr-19367	169	2	,	,	PUNCT
blsr-19367	169	3	february	february	PROPN
blsr-19367	169	4	1	1	NUM
blsr-19367	169	5	,	,	PUNCT
blsr-19367	169	6	2025	2025	NUM
blsr-19367	169	7	.	.	PUNCT
blsr-19367	170	1	http://www.npr.org/2025/02/01/nx-s1-5273496/trump-biden-climate-change-energy-fossil	http://www.npr.org/2025/02/01/nx-s1-5273496/trump-biden-climate-change-energy-fossil	ADJ
blsr-19367	170	2	-fuels	-fuel	NOUN
blsr-19367	170	3	-	-	PUNCT
blsr-19367	170	4	paris	paris	NOUN
blsr-19367	170	5	-	-	PUNCT
blsr-19367	170	6	agreement	agreement	NOUN
blsr-19367	170	7	.	.	PUNCT
blsr-19367	171	1	7	7	NUM
blsr-19367	171	2	“	"	PUNCT
blsr-19367	171	3	bridging	bridge	VERB
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blsr-19367	171	5	gaps	gap	NOUN
blsr-19367	171	6	to	to	PART
blsr-19367	171	7	prepare	prepare	VERB
blsr-19367	171	8	homeowners	homeowner	NOUN
blsr-19367	171	9	for	for	ADP
blsr-19367	171	10	emerging	emerge	VERB
blsr-19367	171	11	climate	climate	NOUN
blsr-19367	171	12	change	change	NOUN
blsr-19367	171	13	risks	risk	NOUN
blsr-19367	171	14	.	.	PUNCT
blsr-19367	171	15	”	"	PUNCT
blsr-19367	171	16	deloitte	deloitte	PROPN
blsr-19367	171	17	,	,	PUNCT
blsr-19367	171	18	may	may	AUX
blsr-19367	171	19	2	2	NUM
blsr-19367	171	20	,	,	PUNCT
blsr-19367	171	21	2024	2024	NUM
blsr-19367	171	22	.	.	PUNCT
blsr-19367	172	1	51	51	NUM
blsr-19367	172	2	https://www2.deloitte.com/us/en/insights/industry/financial-services/bridging-the-gap-bet	https://www2.deloitte.com/us/en/insights/industry/financial-services/bridging-the-gap-bet	ADV
blsr-19367	172	3	ween-homeowners-insurance-companies-climate-change.html	ween-homeowners-insurance-companies-climate-change.html	NOUN
blsr-19367	172	4	.	.	PUNCT
blsr-19367	173	1	8	8	NUM
blsr-19367	173	2	the	the	DET
blsr-19367	173	3	california	california	PROPN
blsr-19367	173	4	fair	fair	PROPN
blsr-19367	173	5	plan	plan	NOUN
blsr-19367	173	6	,	,	PUNCT
blsr-19367	173	7	n.d	n.d	PROPN
blsr-19367	173	8	.	.	PROPN
blsr-19367	173	9	http://www.cfpnet.com/.	http://www.cfpnet.com/.	PROPN
blsr-19367	173	10	9	9	NUM
blsr-19367	173	11	“	"	PUNCT
blsr-19367	173	12	california	california	PROPN
blsr-19367	173	13	new	new	ADJ
blsr-19367	173	14	business	business	NOUN
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blsr-19367	173	16	.	.	PUNCT
blsr-19367	173	17	”	"	PUNCT
blsr-19367	174	1	state	state	NOUN
blsr-19367	174	2	farm	farm	NOUN
blsr-19367	174	3	general	general	PROPN
blsr-19367	174	4	insurance	insurance	NOUN
blsr-19367	174	5	company	company	NOUN
blsr-19367	174	6	,	,	PUNCT
blsr-19367	174	7	may	may	AUX
blsr-19367	174	8	26	26	NUM
blsr-19367	174	9	,	,	PUNCT
blsr-19367	174	10	2023	2023	NUM
blsr-19367	174	11	.	.	PUNCT
blsr-19367	175	1	https://newsroom.statefarm.com/state-farm-general-insurance-company-california-new-b	https://newsroom.statefarm.com/state-farm-general-insurance-company-california-new-b	NOUN
blsr-19367	175	2	usiness	usiness	NOUN
blsr-19367	175	3	-	-	PUNCT
blsr-19367	175	4	update/.	update/.	NOUN
blsr-19367	175	5	10	10	NUM
blsr-19367	175	6	“	"	PUNCT
blsr-19367	175	7	causes	cause	NOUN
blsr-19367	175	8	and	and	CCONJ
blsr-19367	175	9	effects	effect	NOUN
blsr-19367	175	10	of	of	ADP
blsr-19367	175	11	climate	climate	NOUN
blsr-19367	175	12	change	change	NOUN
blsr-19367	175	13	.	.	PUNCT
blsr-19367	175	14	”	"	PUNCT
blsr-19367	176	1	united	united	PROPN
blsr-19367	176	2	nations	nations	PROPN
blsr-19367	176	3	,	,	PUNCT
blsr-19367	176	4	n.d	n.d	PROPN
blsr-19367	176	5	.	.	PROPN
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blsr-19367	176	7	.	.	PUNCT
blsr-19367	177	1	11	11	NUM
blsr-19367	177	2	“	"	PUNCT
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blsr-19367	177	5	:	:	PUNCT
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blsr-19367	177	8	.	.	PUNCT
blsr-19367	177	9	”	"	PUNCT
blsr-19367	178	1	in	in	ADP
blsr-19367	178	2	florida	florida	PROPN
blsr-19367	178	3	building	building	PROPN
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blsr-19367	178	5	,	,	PUNCT
blsr-19367	178	6	building	building	NOUN
blsr-19367	178	7	,	,	PUNCT
blsr-19367	178	8	7th	7th	ADJ
blsr-19367	178	9	ed	ed	NOUN
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blsr-19367	178	11	,	,	PUNCT
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blsr-19367	178	13	.	.	PUNCT
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blsr-19367	179	2	.	.	PUNCT
blsr-19367	180	1	12	12	NUM
blsr-19367	180	2	citizens	citizen	NOUN
blsr-19367	180	3	property	property	NOUN
blsr-19367	180	4	insurance	insurance	NOUN
blsr-19367	180	5	corporation	corporation	NOUN
blsr-19367	180	6	,	,	PUNCT
blsr-19367	180	7	n.d	n.d	PROPN
blsr-19367	180	8	.	.	PROPN
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blsr-19367	181	2	13	13	NUM
blsr-19367	181	3	“	"	PUNCT
blsr-19367	181	4	climate	climate	NOUN
blsr-19367	181	5	change	change	NOUN
blsr-19367	181	6	,	,	PUNCT
blsr-19367	181	7	disaster	disaster	NOUN
blsr-19367	181	8	risk	risk	NOUN
blsr-19367	181	9	,	,	PUNCT
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blsr-19367	181	11	homeowners	homeowner	NOUN
blsr-19367	181	12	’	'	PUNCT
blsr-19367	181	13	insurance	insurance	NOUN
blsr-19367	181	14	.	.	PUNCT
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blsr-19367	182	1	congressional	congressional	ADJ
blsr-19367	182	2	budget	budget	NOUN
blsr-19367	182	3	office	office	NOUN
blsr-19367	182	4	,	,	PUNCT
blsr-19367	182	5	n.d	n.d	PROPN
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blsr-19367	182	8	.	.	PUNCT
blsr-19367	183	1	14	14	NUM
blsr-19367	183	2	“	"	PUNCT
blsr-19367	183	3	climate	climate	NOUN
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blsr-19367	183	5	needs	need	VERB
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blsr-19367	183	7	.	.	PUNCT
blsr-19367	183	8	”	"	PUNCT
blsr-19367	184	1	chubb	chubb	PROPN
blsr-19367	184	2	,	,	PUNCT
blsr-19367	184	3	n.d	n.d	PROPN
blsr-19367	184	4	.	.	PROPN
blsr-19367	184	5	https://about.chubb.com/citizenship/climate.html	https://about.chubb.com/citizenship/climate.html	PROPN
blsr-19367	184	6	.	.	NOUN
blsr-19367	184	7	15	15	NUM
blsr-19367	184	8	“	"	PUNCT
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blsr-19367	184	10	’s	’s	PART
blsr-19367	184	11	last	last	ADJ
blsr-19367	184	12	resort	resort	NOUN
blsr-19367	184	13	coverage	coverage	NOUN
blsr-19367	184	14	plan	plan	NOUN
blsr-19367	184	15	.	.	PUNCT
blsr-19367	184	16	”	"	PUNCT
blsr-19367	185	1	colorado	colorado	PROPN
blsr-19367	185	2	fair	fair	PROPN
blsr-19367	185	3	plan	plan	NOUN
blsr-19367	185	4	,	,	PUNCT
blsr-19367	185	5	n.d	n.d	PROPN
blsr-19367	185	6	.	.	PROPN
blsr-19367	186	1	http://www.coloradofairplan.com/.	http://www.coloradofairplan.com/.	PROPN
blsr-19367	186	2	16	16	NUM
blsr-19367	186	3	delaney	delaney	NOUN
blsr-19367	186	4	,	,	PUNCT
blsr-19367	186	5	bill	bill	NOUN
blsr-19367	186	6	.	.	PUNCT
blsr-19367	187	1	“	"	PUNCT
blsr-19367	187	2	first	first	ADJ
blsr-19367	187	3	home	home	NOUN
blsr-19367	187	4	owner	owner	NOUN
blsr-19367	187	5	’s	’s	PART
blsr-19367	187	6	insurance	insurance	NOUN
blsr-19367	187	7	policies	policy	NOUN
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blsr-19367	187	9	offered	offer	VERB
blsr-19367	187	10	.	.	PUNCT
blsr-19367	187	11	”	"	PUNCT
blsr-19367	187	12	ebsco	ebsco	PROPN
blsr-19367	187	13	,	,	PUNCT
blsr-19367	187	14	2023	2023	NUM
blsr-19367	187	15	.	.	PUNCT
blsr-19367	188	1	http://www.ebsco.com/research-starters/history/first-home-owners-insurance-policies-are	http://www.ebsco.com/research-starters/history/first-home-owners-insurance-policies-are	ADJ
blsr-19367	188	2	-offered#:~:text	-offered#:~:text	PUNCT
blsr-19367	189	1	=	=	SYM
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blsr-19367	189	3	0as%20a%20significant%20innovation	0as%20a%20significant%20innovation	NOUN
blsr-19367	189	4	,	,	PUNCT
blsr-19367	189	5	growth%20during%20the%20postwar%20era	growth%20during%20the%20postwar%20era	PROPN
blsr-19367	189	6	.	.	PUNCT
blsr-19367	190	1	17	17	NUM
blsr-19367	190	2	dumas	dumas	PROPN
blsr-19367	190	3	,	,	PUNCT
blsr-19367	190	4	breck	breck	PROPN
blsr-19367	190	5	.	.	PUNCT
blsr-19367	191	1	“	"	PUNCT
blsr-19367	191	2	california	california	PROPN
blsr-19367	191	3	insurance	insurance	NOUN
blsr-19367	191	4	crisis	crisis	NOUN
blsr-19367	191	5	:	:	PUNCT
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blsr-19367	191	12	or	or	CCONJ
blsr-19367	191	13	reduced	reduce	VERB
blsr-19367	191	14	coverage	coverage	NOUN
blsr-19367	191	15	in	in	ADP
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blsr-19367	191	17	state	state	NOUN
blsr-19367	191	18	.	.	PUNCT
blsr-19367	191	19	”	"	PUNCT
blsr-19367	191	20	fox	fox	PROPN
blsr-19367	191	21	26	26	NUM
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blsr-19367	191	23	,	,	PUNCT
blsr-19367	191	24	january	january	PROPN
blsr-19367	191	25	13	13	NUM
blsr-19367	191	26	,	,	PUNCT
blsr-19367	191	27	2025	2025	NUM
blsr-19367	191	28	.	.	PUNCT
blsr-19367	192	1	52	52	NUM
blsr-19367	192	2	http://www.fox26houston.com/news/california-insurance-crisis-list-carriers-have-fled-red	http://www.fox26houston.com/news/california-insurance-crisis-list-carriers-have-fled-re	VERB
blsr-19367	192	3	uced	uced	ADJ
blsr-19367	192	4	-	-	PUNCT
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blsr-19367	192	6	-	-	PUNCT
blsr-19367	192	7	state	state	NOUN
blsr-19367	192	8	.	.	PUNCT
blsr-19367	193	1	18	18	NUM
blsr-19367	193	2	“	"	PUNCT
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blsr-19367	193	4	.	.	PUNCT
blsr-19367	193	5	”	"	PUNCT
blsr-19367	194	1	colorado	colorado	PROPN
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blsr-19367	194	3	plan	plan	NOUN
blsr-19367	194	4	,	,	PUNCT
blsr-19367	194	5	n.d	n.d	PROPN
blsr-19367	194	6	.	.	PUNCT
blsr-19367	195	1	http://www.coloradofairplan.com/eligibility#:~:text=the%20fair%20plan%20provides	http://www.coloradofairplan.com/eligibility#:~:text=the%20fair%20plan%20provide	NOUN
blsr-19367	195	2	%	%	NOUN
blsr-19367	195	3	20only,(acv)%20of%20the%20property	20only,(acv)%20of%20the%20property	NUM
blsr-19367	195	4	.	.	PUNCT
blsr-19367	196	1	19	19	NUM
blsr-19367	196	2	“	"	PUNCT
blsr-19367	196	3	executive	executive	ADJ
blsr-19367	196	4	summary	summary	NOUN
blsr-19367	196	5	:	:	PUNCT
blsr-19367	196	6	property	property	NOUN
blsr-19367	196	7	prices	price	NOUN
blsr-19367	196	8	in	in	ADP
blsr-19367	196	9	peril	peril	NOUN
blsr-19367	196	10	.	.	PUNCT
blsr-19367	196	11	”	"	PUNCT
blsr-19367	197	1	first	first	ADJ
blsr-19367	197	2	street	street	NOUN
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blsr-19367	197	5	3	3	NUM
blsr-19367	197	6	,	,	PUNCT
blsr-19367	197	7	2025	2025	NUM
blsr-19367	197	8	.	.	PUNCT
blsr-19367	198	1	https://firststreet.org/research-library/property-prices-in-peril	https://firststreet.org/research-library/property-prices-in-peril	PROPN
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blsr-19367	199	2	“	"	PUNCT
blsr-19367	199	3	extreme	extreme	ADJ
blsr-19367	199	4	weather	weather	NOUN
blsr-19367	199	5	and	and	CCONJ
blsr-19367	199	6	climate	climate	NOUN
blsr-19367	199	7	change	change	NOUN
blsr-19367	199	8	.	.	PUNCT
blsr-19367	199	9	”	"	PUNCT
blsr-19367	200	1	nasa	nasa	PROPN
blsr-19367	200	2	,	,	PUNCT
blsr-19367	200	3	n.d	n.d	PROPN
blsr-19367	200	4	.	.	PROPN
blsr-19367	200	5	https://science.nasa.gov/climate-change/extreme-weather/.	https://science.nasa.gov/climate-change/extreme-weather/.	PROPN
blsr-19367	200	6	21	21	NUM
blsr-19367	200	7	fellowes	fellowes	NOUN
blsr-19367	200	8	-	-	PUNCT
blsr-19367	200	9	granda	granda	NOUN
blsr-19367	200	10	,	,	PUNCT
blsr-19367	200	11	lilith	lilith	PROPN
blsr-19367	200	12	.	.	PUNCT
blsr-19367	201	1	“	"	PUNCT
blsr-19367	201	2	managing	manage	VERB
blsr-19367	201	3	the	the	DET
blsr-19367	201	4	climate	climate	NOUN
blsr-19367	201	5	change	change	NOUN
blsr-19367	201	6	-	-	PUNCT
blsr-19367	201	7	fueled	fuel	VERB
blsr-19367	201	8	property	property	NOUN
blsr-19367	201	9	insurance	insurance	NOUN
blsr-19367	201	10	crisis	crisis	NOUN
blsr-19367	201	11	.	.	PUNCT
blsr-19367	201	12	”	"	PUNCT
blsr-19367	202	1	center	center	NOUN
blsr-19367	202	2	for	for	ADP
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blsr-19367	202	4	progress	progress	NOUN
blsr-19367	202	5	,	,	PUNCT
blsr-19367	202	6	april	april	PROPN
blsr-19367	202	7	2	2	NUM
blsr-19367	202	8	,	,	PUNCT
blsr-19367	202	9	2025	2025	NUM
blsr-19367	202	10	.	.	PUNCT
blsr-19367	203	1	http://www.americanprogress.org/article/managing-the-climate-change-fueled-property-i	http://www.americanprogress.org/article/managing-the-climate-change-fueled-property-i	PROPN
blsr-19367	203	2	nsurance	nsurance	NOUN
blsr-19367	203	3	-	-	PUNCT
blsr-19367	203	4	crisis/#:~:text	crisis/#:~:text	NOUN
blsr-19367	203	5	=	=	SYM
blsr-19367	203	6	climate%20change%20is%20upending%20historical	climate%20change%20is%20upending%20historical	ADJ
blsr-19367	203	7	,	,	PUNCT
blsr-19367	203	8	increase%	increase%	PROPN
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blsr-19367	203	10	.	.	PUNCT
blsr-19367	204	1	22	22	NUM
blsr-19367	204	2	“	"	PUNCT
blsr-19367	204	3	financial	financial	ADJ
blsr-19367	204	4	stability	stability	NOUN
blsr-19367	204	5	ratings	rating	NOUN
blsr-19367	204	6	definitions	definition	NOUN
blsr-19367	204	7	.	.	PUNCT
blsr-19367	204	8	”	"	PUNCT
blsr-19367	205	1	demotech	demotech	PROPN
blsr-19367	205	2	,	,	PUNCT
blsr-19367	205	3	n.d	n.d	PROPN
blsr-19367	205	4	.	.	PROPN
blsr-19367	205	5	http://www.demotech.com/financial-stability-ratings/definitions/.	http://www.demotech.com/financial-stability-ratings/definitions/.	PROPN
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blsr-19367	205	7	“	"	PUNCT
blsr-19367	205	8	fire	fire	NOUN
blsr-19367	205	9	safety	safety	NOUN
blsr-19367	205	10	laws	law	NOUN
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blsr-19367	205	12	”	"	PUNCT
blsr-19367	206	1	california	california	PROPN
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blsr-19367	206	3	of	of	ADP
blsr-19367	206	4	forestry	forestry	PROPN
blsr-19367	206	5	&	&	CCONJ
blsr-19367	206	6	fire	fire	PROPN
blsr-19367	206	7	protection	protection	PROPN
blsr-19367	206	8	,	,	PUNCT
blsr-19367	206	9	n.d	n.d	PROPN
blsr-19367	206	10	.	.	PROPN
blsr-19367	207	1	https://readyforwildfire.org/fire-safety-laws/.	https://readyforwildfire.org/fire-safety-laws/.	PROPN
blsr-19367	207	2	24	24	NUM
blsr-19367	207	3	flavelle	flavelle	PROPN
blsr-19367	207	4	,	,	PUNCT
blsr-19367	207	5	christopher	christopher	PROPN
blsr-19367	207	6	,	,	PUNCT
blsr-19367	207	7	and	and	CCONJ
blsr-19367	207	8	mira	mira	PROPN
blsr-19367	207	9	rojanasakul	rojanasakul	PROPN
blsr-19367	207	10	.	.	PUNCT
blsr-19367	208	1	“	"	PUNCT
blsr-19367	208	2	as	as	ADP
blsr-19367	208	3	insurers	insurer	NOUN
blsr-19367	208	4	around	around	ADP
blsr-19367	208	5	the	the	DET
blsr-19367	208	6	u.s	u.s	PROPN
blsr-19367	208	7	.	.	PROPN
blsr-19367	208	8	bleed	bleed	NOUN
blsr-19367	208	9	cash	cash	NOUN
blsr-19367	208	10	from	from	ADP
blsr-19367	208	11	climate	climate	NOUN
blsr-19367	208	12	shocks	shock	NOUN
blsr-19367	208	13	,	,	PUNCT
blsr-19367	208	14	homeowners	homeowner	NOUN
blsr-19367	208	15	lose	lose	VERB
blsr-19367	208	16	.	.	PUNCT
blsr-19367	208	17	”	"	PUNCT
blsr-19367	209	1	the	the	DET
blsr-19367	209	2	new	new	PROPN
blsr-19367	209	3	york	york	PROPN
blsr-19367	209	4	times	times	PROPN
blsr-19367	209	5	,	,	PUNCT
blsr-19367	209	6	may	may	AUX
blsr-19367	209	7	13	13	NUM
blsr-19367	209	8	,	,	PUNCT
blsr-19367	209	9	2024	2024	NUM
blsr-19367	209	10	.	.	PUNCT
blsr-19367	210	1	http://www.nytimes.com/interactive/2024/05/13/climate/insurance-homes-climate-change	http://www.nytimes.com/interactive/2024/05/13/climate/insurance-homes-climate-change	NOUN
blsr-19367	210	2	-weather.html	-weather.html	NUM
blsr-19367	210	3	.	.	PUNCT
blsr-19367	211	1	53	53	NUM
blsr-19367	211	2	25	25	NUM
blsr-19367	211	3	flavelle	flavelle	PROPN
blsr-19367	211	4	,	,	PUNCT
blsr-19367	211	5	christopher	christopher	PROPN
blsr-19367	211	6	,	,	PUNCT
blsr-19367	211	7	and	and	CCONJ
blsr-19367	211	8	mira	mira	PROPN
blsr-19367	211	9	rojanasakul	rojanasakul	PROPN
blsr-19367	211	10	.	.	PUNCT
blsr-19367	212	1	“	"	PUNCT
blsr-19367	212	2	insurers	insurer	NOUN
blsr-19367	212	3	are	be	AUX
blsr-19367	212	4	deserting	desert	VERB
blsr-19367	212	5	homeowners	homeowner	NOUN
blsr-19367	212	6	as	as	SCONJ
blsr-19367	212	7	climate	climate	NOUN
blsr-19367	212	8	shocks	shock	NOUN
blsr-19367	212	9	worsen	worsen	VERB
blsr-19367	212	10	.	.	PUNCT
blsr-19367	212	11	”	"	PUNCT
blsr-19367	213	1	the	the	DET
blsr-19367	213	2	new	new	PROPN
blsr-19367	213	3	york	york	PROPN
blsr-19367	213	4	times	times	PROPN
blsr-19367	213	5	,	,	PUNCT
blsr-19367	213	6	december	december	PROPN
blsr-19367	213	7	18	18	NUM
blsr-19367	213	8	,	,	PUNCT
blsr-19367	213	9	2024	2024	NUM
blsr-19367	213	10	.	.	PUNCT
blsr-19367	213	11	www.nytimes.com/interactive/2024/12/18/climate/insurance-non-renewal-climate-crisis.h	www.nytimes.com/interactive/2024/12/18/climate/insurance-non-renewal-climate-crisis.h	PROPN
blsr-19367	213	12	tml	tml	PROPN
blsr-19367	213	13	.	.	PUNCT
blsr-19367	214	1	26	26	NUM
blsr-19367	214	2	flavelle	flavelle	PROPN
blsr-19367	214	3	,	,	PUNCT
blsr-19367	214	4	christopher	christopher	PROPN
blsr-19367	214	5	,	,	PUNCT
blsr-19367	214	6	et	et	PROPN
blsr-19367	214	7	al	al	PROPN
blsr-19367	214	8	.	.	PUNCT
blsr-19367	215	1	“	"	PUNCT
blsr-19367	215	2	climate	climate	NOUN
blsr-19367	215	3	shocks	shock	NOUN
blsr-19367	215	4	are	be	AUX
blsr-19367	215	5	making	make	VERB
blsr-19367	215	6	parts	part	NOUN
blsr-19367	215	7	of	of	ADP
blsr-19367	215	8	america	america	PROPN
blsr-19367	215	9	uninsurable	uninsurable	PROPN
blsr-19367	215	10	.	.	PUNCT
blsr-19367	216	1	it	it	PRON
blsr-19367	216	2	just	just	ADV
blsr-19367	216	3	got	get	VERB
blsr-19367	216	4	worse	bad	ADJ
blsr-19367	216	5	.	.	PUNCT
blsr-19367	216	6	”	"	PUNCT
blsr-19367	217	1	the	the	DET
blsr-19367	217	2	new	new	PROPN
blsr-19367	217	3	york	york	PROPN
blsr-19367	217	4	times	times	PROPN
blsr-19367	217	5	,	,	PUNCT
blsr-19367	217	6	may	may	AUX
blsr-19367	217	7	31	31	NUM
blsr-19367	217	8	,	,	PUNCT
blsr-19367	217	9	2023	2023	NUM
blsr-19367	217	10	.	.	PUNCT
blsr-19367	218	1	www.nytimes.com/2023/05/31/climate/climate-change-insurance-wildfires-california.htm	www.nytimes.com/2023/05/31/climate/climate-change-insurance-wildfires-california.htm	VERB
blsr-19367	218	2	l.	l.	NOUN
blsr-19367	218	3	27	27	NUM
blsr-19367	218	4	fowlie	fowlie	NOUN
blsr-19367	218	5	,	,	PUNCT
blsr-19367	218	6	meredith	meredith	PROPN
blsr-19367	218	7	,	,	PUNCT
blsr-19367	218	8	et	et	PROPN
blsr-19367	218	9	al	al	PROPN
blsr-19367	218	10	.	.	PUNCT
blsr-19367	219	1	“	"	PUNCT
blsr-19367	219	2	how	how	SCONJ
blsr-19367	219	3	is	be	AUX
blsr-19367	219	4	climate	climate	NOUN
blsr-19367	219	5	change	change	NOUN
blsr-19367	219	6	impacting	impact	VERB
blsr-19367	219	7	home	home	NOUN
blsr-19367	219	8	insurance	insurance	NOUN
blsr-19367	219	9	markets	market	NOUN
blsr-19367	219	10	?	?	PUNCT
blsr-19367	219	11	”	"	PUNCT
blsr-19367	219	12	brookings	brookings	PROPN
blsr-19367	219	13	,	,	PUNCT
blsr-19367	219	14	january	january	PROPN
blsr-19367	219	15	14	14	NUM
blsr-19367	219	16	,	,	PUNCT
blsr-19367	219	17	2025	2025	NUM
blsr-19367	219	18	.	.	PUNCT
blsr-19367	220	1	www.brookings.edu/articles/how-is-climate-change-impacting-home-insurance-markets/.	www.brookings.edu/articles/how-is-climate-change-impacting-home-insurance-markets/.	PROPN
blsr-19367	220	2	28	28	NUM
blsr-19367	220	3	goard	goard	NOUN
blsr-19367	220	4	,	,	PUNCT
blsr-19367	220	5	alyssa	alyssa	NOUN
blsr-19367	220	6	.	.	PUNCT
blsr-19367	221	1	“	"	PUNCT
blsr-19367	221	2	state	state	NOUN
blsr-19367	221	3	farm	farm	NOUN
blsr-19367	221	4	’s	’s	PART
blsr-19367	221	5	ca	can	AUX
blsr-19367	221	6	rate	rate	NOUN
blsr-19367	221	7	increase	increase	NOUN
blsr-19367	221	8	gets	get	VERB
blsr-19367	221	9	provisional	provisional	ADJ
blsr-19367	221	10	approval	approval	NOUN
blsr-19367	221	11	,	,	PUNCT
blsr-19367	221	12	pending	pende	VERB
blsr-19367	221	13	public	public	ADJ
blsr-19367	221	14	hearing	hearing	NOUN
blsr-19367	221	15	.	.	PUNCT
blsr-19367	221	16	”	"	PUNCT
blsr-19367	222	1	nbc	nbc	PROPN
blsr-19367	222	2	bay	bay	PROPN
blsr-19367	222	3	area	area	PROPN
blsr-19367	222	4	,	,	PUNCT
blsr-19367	222	5	march	march	PROPN
blsr-19367	222	6	14	14	NUM
blsr-19367	222	7	,	,	PUNCT
blsr-19367	222	8	2025	2025	NUM
blsr-19367	222	9	.	.	PUNCT
blsr-19367	223	1	www.nbcbayarea.com/news/california/state-farms-rate-increase-gets-provisional-approva	www.nbcbayarea.com/news/california/state-farms-rate-increase-gets-provisional-approva	X
blsr-19367	223	2	l/3819660/.	l/3819660/.	PROPN
blsr-19367	223	3	29	29	NUM
blsr-19367	223	4	“	"	PUNCT
blsr-19367	223	5	governor	governor	NOUN
blsr-19367	223	6	newsom	newsom	PROPN
blsr-19367	223	7	supports	support	VERB
blsr-19367	223	8	insurance	insurance	NOUN
blsr-19367	223	9	reform	reform	NOUN
blsr-19367	223	10	proposal	proposal	NOUN
blsr-19367	223	11	.	.	PUNCT
blsr-19367	223	12	”	"	PUNCT
blsr-19367	224	1	governor	governor	NOUN
blsr-19367	224	2	of	of	ADP
blsr-19367	224	3	california	california	PROPN
blsr-19367	224	4	,	,	PUNCT
blsr-19367	224	5	june	june	PROPN
blsr-19367	224	6	12	12	NUM
blsr-19367	224	7	,	,	PUNCT
blsr-19367	224	8	2024	2024	NUM
blsr-19367	224	9	.	.	PUNCT
blsr-19367	225	1	www.gov.ca.gov/2024/06/12/governor-newsom-supports-insurance-reform-proposal/.	www.gov.ca.gov/2024/06/12/governor-newsom-supports-insurance-reform-proposal/.	PROPN
blsr-19367	225	2	30	30	NUM
blsr-19367	225	3	hayes	haye	NOUN
blsr-19367	225	4	,	,	PUNCT
blsr-19367	225	5	adam	adam	PROPN
blsr-19367	225	6	.	.	PUNCT
blsr-19367	226	1	“	"	PUNCT
blsr-19367	226	2	catastrophe	catastrophe	NOUN
blsr-19367	226	3	bond	bond	NOUN
blsr-19367	226	4	(	(	PUNCT
blsr-19367	226	5	cat	cat	NOUN
blsr-19367	226	6	)	)	PUNCT
blsr-19367	226	7	meaning	meaning	NOUN
blsr-19367	226	8	,	,	PUNCT
blsr-19367	226	9	benefits	benefit	NOUN
blsr-19367	226	10	,	,	PUNCT
blsr-19367	226	11	risk	risk	NOUN
blsr-19367	226	12	,	,	PUNCT
blsr-19367	226	13	example	example	NOUN
blsr-19367	226	14	.	.	PUNCT
blsr-19367	226	15	”	"	PUNCT
blsr-19367	227	1	investopedia	investopedia	PROPN
blsr-19367	227	2	,	,	PUNCT
blsr-19367	227	3	n.d	n.d	PROPN
blsr-19367	227	4	.	.	PROPN
blsr-19367	227	5	www.investopedia.com/terms/c/catastrophebond.asp	www.investopedia.com/terms/c/catastrophebond.asp	NOUN
blsr-19367	227	6	.	.	PUNCT
blsr-19367	228	1	31	31	NUM
blsr-19367	228	2	“	"	PUNCT
blsr-19367	228	3	homeowners	homeowner	NOUN
blsr-19367	228	4	insurance	insurance	NOUN
blsr-19367	228	5	.	.	PUNCT
blsr-19367	228	6	”	"	PUNCT
blsr-19367	229	1	library	library	NOUN
blsr-19367	229	2	of	of	ADP
blsr-19367	229	3	congress	congress	PROPN
blsr-19367	229	4	,	,	PUNCT
blsr-19367	229	5	n.d	n.d	PROPN
blsr-19367	229	6	.	.	PROPN
blsr-19367	229	7	guides.loc.gov/this-month-in-business-history/september/homeowners-insurance#note3	guides.loc.gov/this-month-in-business-history/september/homeowners-insurance#note3	PROPN
blsr-19367	229	8	.	.	PUNCT
blsr-19367	230	1	54	54	NUM
blsr-19367	230	2	32	32	NUM
blsr-19367	230	3	horton	horton	PROPN
blsr-19367	230	4	,	,	PUNCT
blsr-19367	230	5	matt	matt	PROPN
blsr-19367	230	6	,	,	PUNCT
blsr-19367	230	7	et	et	PROPN
blsr-19367	230	8	al	al	PROPN
blsr-19367	230	9	.	.	PUNCT
blsr-19367	231	1	“	"	PUNCT
blsr-19367	231	2	impact	impact	NOUN
blsr-19367	231	3	of	of	ADP
blsr-19367	231	4	2025	2025	NUM
blsr-19367	231	5	los	los	PROPN
blsr-19367	231	6	angeles	angeles	PROPN
blsr-19367	231	7	wildfires	wildfire	VERB
blsr-19367	231	8	and	and	CCONJ
blsr-19367	231	9	comparative	comparative	ADJ
blsr-19367	231	10	study	study	NOUN
blsr-19367	231	11	.	.	PUNCT
blsr-19367	231	12	”	"	PUNCT
blsr-19367	232	1	los	los	PROPN
blsr-19367	232	2	angeles	angeles	PROPN
blsr-19367	232	3	county	county	PROPN
blsr-19367	232	4	economic	economic	PROPN
blsr-19367	232	5	development	development	PROPN
blsr-19367	232	6	corporation	corporation	PROPN
blsr-19367	232	7	,	,	PUNCT
blsr-19367	232	8	february	february	PROPN
blsr-19367	232	9	2025	2025	NUM
blsr-19367	232	10	.	.	PUNCT
blsr-19367	233	1	laedc.org/wpcms/wp-content/uploads/2025/02/laedc-2025-la-wildfires-study.pdf	laedc.org/wpcms/wp-content/uploads/2025/02/laedc-2025-la-wildfires-study.pdf	PROPN
blsr-19367	233	2	.	.	PUNCT
blsr-19367	234	1	33	33	NUM
blsr-19367	234	2	“	"	PUNCT
blsr-19367	234	3	inflation	inflation	NOUN
blsr-19367	234	4	reduction	reduction	NOUN
blsr-19367	234	5	act	act	NOUN
blsr-19367	234	6	of	of	ADP
blsr-19367	234	7	2022	2022	NUM
blsr-19367	234	8	.	.	PUNCT
blsr-19367	234	9	”	"	PUNCT
blsr-19367	235	1	international	international	ADJ
blsr-19367	235	2	energy	energy	NOUN
blsr-19367	235	3	agency	agency	NOUN
blsr-19367	235	4	,	,	PUNCT
blsr-19367	235	5	n.d	n.d	PROPN
blsr-19367	235	6	.	.	PROPN
blsr-19367	235	7	www.iea.org/policies/16156-inflation-reduction-act-of-2022	www.iea.org/policies/16156-inflation-reduction-act-of-2022	PROPN
blsr-19367	235	8	.	.	PUNCT
blsr-19367	236	1	34	34	NUM
blsr-19367	236	2	kagan	kagan	PROPN
blsr-19367	236	3	,	,	PUNCT
blsr-19367	236	4	julia	julia	PROPN
blsr-19367	236	5	.	.	PUNCT
blsr-19367	237	1	“	"	PUNCT
blsr-19367	237	2	property	property	NOUN
blsr-19367	237	3	tax	tax	NOUN
blsr-19367	237	4	:	:	PUNCT
blsr-19367	237	5	definition	definition	NOUN
blsr-19367	237	6	,	,	PUNCT
blsr-19367	237	7	what	what	PRON
blsr-19367	237	8	it	it	PRON
blsr-19367	237	9	’s	’s	AUX
blsr-19367	237	10	used	use	VERB
blsr-19367	237	11	for	for	ADP
blsr-19367	237	12	,	,	PUNCT
blsr-19367	237	13	and	and	CCONJ
blsr-19367	237	14	how	how	SCONJ
blsr-19367	237	15	it	it	PRON
blsr-19367	237	16	’s	’s	AUX
blsr-19367	237	17	calculated	calculate	VERB
blsr-19367	237	18	.	.	PUNCT
blsr-19367	237	19	”	"	PUNCT
blsr-19367	238	1	investopedia	investopedia	PROPN
blsr-19367	238	2	,	,	PUNCT
blsr-19367	238	3	n.d	n.d	PROPN
blsr-19367	238	4	.	.	PROPN
blsr-19367	238	5	www.investopedia.com/terms/p/propertytax.asp	www.investopedia.com/terms/p/propertytax.asp	NOUN
blsr-19367	238	6	.	.	PUNCT
blsr-19367	239	1	35	35	NUM
blsr-19367	239	2	kaufman	kaufman	PROPN
blsr-19367	239	3	,	,	PUNCT
blsr-19367	239	4	leslie	leslie	PROPN
blsr-19367	239	5	,	,	PUNCT
blsr-19367	239	6	et	et	PROPN
blsr-19367	239	7	al	al	PROPN
blsr-19367	239	8	.	.	PUNCT
blsr-19367	240	1	“	"	PUNCT
blsr-19367	240	2	a	a	DET
blsr-19367	240	3	hidden	hidden	ADJ
blsr-19367	240	4	crisis	crisis	NOUN
blsr-19367	240	5	in	in	ADP
blsr-19367	240	6	us	us	PROPN
blsr-19367	240	7	housing	housing	NOUN
blsr-19367	240	8	.	.	PUNCT
blsr-19367	240	9	”	"	PUNCT
blsr-19367	241	1	bloomberg	bloomberg	PROPN
blsr-19367	241	2	,	,	PUNCT
blsr-19367	241	3	march	march	PROPN
blsr-19367	241	4	5	5	NUM
blsr-19367	241	5	,	,	PUNCT
blsr-19367	241	6	2024	2024	NUM
blsr-19367	241	7	.	.	PUNCT
blsr-19367	242	1	www.bloomberg.com/features/2024-home-insurance-real-estate-crisis/?sref=frzxrt1o	www.bloomberg.com/features/2024-home-insurance-real-estate-crisis/?sref=frzxrt1o	NOUN
blsr-19367	242	2	.	.	PROPN
blsr-19367	243	1	36	36	NUM
blsr-19367	243	2	“	"	PUNCT
blsr-19367	243	3	key	key	ADJ
blsr-19367	243	4	statistics	statistic	NOUN
blsr-19367	243	5	&	&	CCONJ
blsr-19367	243	6	data	datum	NOUN
blsr-19367	243	7	.	.	PUNCT
blsr-19367	243	8	”	"	PUNCT
blsr-19367	244	1	the	the	DET
blsr-19367	244	2	california	california	PROPN
blsr-19367	244	3	fair	fair	PROPN
blsr-19367	244	4	plan	plan	NOUN
blsr-19367	244	5	,	,	PUNCT
blsr-19367	244	6	n.d	n.d	PROPN
blsr-19367	244	7	.	.	PROPN
blsr-19367	244	8	www.cfpnet.com/key-statistics-data/.	www.cfpnet.com/key-statistics-data/.	PROPN
blsr-19367	244	9	37	37	NUM
blsr-19367	244	10	kim	kim	PROPN
blsr-19367	244	11	,	,	PUNCT
blsr-19367	244	12	gina	gina	PROPN
blsr-19367	244	13	.	.	PUNCT
blsr-19367	245	1	“	"	PUNCT
blsr-19367	245	2	massive	massive	ADJ
blsr-19367	245	3	calif	calif	PROPN
blsr-19367	245	4	.	.	PUNCT
blsr-19367	245	5	fire	fire	NOUN
blsr-19367	245	6	assessment	assessment	NOUN
blsr-19367	245	7	pass	pass	VERB
blsr-19367	245	8	-	-	PUNCT
blsr-19367	245	9	through	through	NOUN
blsr-19367	245	10	sparks	spark	NOUN
blsr-19367	245	11	suit	suit	NOUN
blsr-19367	245	12	.	.	PUNCT
blsr-19367	245	13	”	"	PUNCT
blsr-19367	246	1	law360	law360	PROPN
blsr-19367	246	2	,	,	PUNCT
blsr-19367	246	3	april	april	PROPN
blsr-19367	246	4	15	15	NUM
blsr-19367	246	5	,	,	PUNCT
blsr-19367	246	6	2025	2025	NUM
blsr-19367	246	7	.	.	PUNCT
blsr-19367	247	1	www.law360.com/articles/2325774/massive-calif-fire-assessment-pass-through-sparks-su	www.law360.com/articles/2325774/massive-calif-fire-assessment-pass-through-sparks-su	VERB
blsr-19367	247	2	it	it	PRON
blsr-19367	247	3	.	.	PUNCT
blsr-19367	248	1	38	38	NUM
blsr-19367	248	2	koller	koller	NOUN
blsr-19367	248	3	,	,	PUNCT
blsr-19367	248	4	steve	steve	PROPN
blsr-19367	248	5	.	.	PUNCT
blsr-19367	249	1	“	"	PUNCT
blsr-19367	249	2	the	the	DET
blsr-19367	249	3	insurance	insurance	NOUN
blsr-19367	249	4	crisis	crisis	NOUN
blsr-19367	249	5	continues	continue	VERB
blsr-19367	249	6	to	to	PART
blsr-19367	249	7	weigh	weigh	VERB
blsr-19367	249	8	on	on	ADP
blsr-19367	249	9	homeowners	homeowner	NOUN
blsr-19367	249	10	.	.	PUNCT
blsr-19367	249	11	”	"	PUNCT
blsr-19367	250	1	joint	joint	ADJ
blsr-19367	250	2	center	center	NOUN
blsr-19367	250	3	for	for	ADP
blsr-19367	250	4	housing	housing	NOUN
blsr-19367	250	5	studies	study	NOUN
blsr-19367	250	6	of	of	ADP
blsr-19367	250	7	harvard	harvard	PROPN
blsr-19367	250	8	university	university	PROPN
blsr-19367	250	9	,	,	PUNCT
blsr-19367	250	10	december	december	PROPN
blsr-19367	250	11	9	9	NUM
blsr-19367	250	12	,	,	PUNCT
blsr-19367	250	13	2024	2024	NUM
blsr-19367	250	14	.	.	PUNCT
blsr-19367	251	1	www.jchs.harvard.edu/blog/insurance-crisis-continues-weigh-homeowners	www.jchs.harvard.edu/blog/insurance-crisis-continues-weigh-homeowner	NOUN
blsr-19367	251	2	.	.	PUNCT
blsr-19367	252	1	39	39	NUM
blsr-19367	252	2	konnath	konnath	NOUN
blsr-19367	252	3	,	,	PUNCT
blsr-19367	252	4	hailey	hailey	PROPN
blsr-19367	252	5	.	.	PUNCT
blsr-19367	253	1	“	"	PUNCT
blsr-19367	253	2	calif	calif	PROPN
blsr-19367	253	3	.	.	PROPN
blsr-19367	253	4	’s	’s	PART
blsr-19367	253	5	insurance	insurance	NOUN
blsr-19367	253	6	safety	safety	NOUN
blsr-19367	253	7	net	net	NOUN
blsr-19367	253	8	gets	get	VERB
blsr-19367	253	9	$	$	SYM
blsr-19367	253	10	1b	1b	NUM
blsr-19367	253	11	infusion	infusion	NOUN
blsr-19367	253	12	for	for	ADP
blsr-19367	253	13	fire	fire	NOUN
blsr-19367	253	14	claims	claim	NOUN
blsr-19367	253	15	.	.	PUNCT
blsr-19367	253	16	”	"	PUNCT
blsr-19367	254	1	law360	law360	PROPN
blsr-19367	254	2	,	,	PUNCT
blsr-19367	254	3	february	february	PROPN
blsr-19367	254	4	11	11	NUM
blsr-19367	254	5	,	,	PUNCT
blsr-19367	254	6	2025	2025	NUM
blsr-19367	254	7	.	.	PUNCT
blsr-19367	255	1	www.law360.com/articles/2296858/calif-s-insurance-safety-net-gets-1b-infusion-for-fireclaims	www.law360.com/articles/2296858/calif-s-insurance-safety-net-gets-1b-infusion-for-fireclaims	PROPN
blsr-19367	255	2	.	.	PUNCT
blsr-19367	256	1	40	40	NUM
blsr-19367	256	2	lara	lara	PROPN
blsr-19367	256	3	,	,	PUNCT
blsr-19367	256	4	ricardo	ricardo	PROPN
blsr-19367	256	5	.	.	PUNCT
blsr-19367	257	1	“	"	PUNCT
blsr-19367	257	2	order	order	VERB
blsr-19367	257	3	no	no	NOUN
blsr-19367	257	4	.	.	NOUN
blsr-19367	257	5	2025	2025	NUM
blsr-19367	257	6	-	-	SYM
blsr-19367	257	7	1	1	NUM
blsr-19367	257	8	:	:	PUNCT
blsr-19367	257	9	approving	approve	VERB
blsr-19367	257	10	the	the	DET
blsr-19367	257	11	california	california	PROPN
blsr-19367	257	12	fair	fair	PROPN
blsr-19367	257	13	plan	plan	PROPN
blsr-19367	257	14	association	association	PROPN
blsr-19367	257	15	’s	’s	PART
blsr-19367	257	16	request	request	NOUN
blsr-19367	257	17	to	to	PART
blsr-19367	257	18	issue	issue	VERB
blsr-19367	257	19	assessment	assessment	NOUN
blsr-19367	257	20	.	.	PUNCT
blsr-19367	257	21	”	"	PUNCT
blsr-19367	258	1	california	california	PROPN
blsr-19367	258	2	department	department	PROPN
blsr-19367	258	3	of	of	ADP
blsr-19367	258	4	insurance	insurance	PROPN
blsr-19367	258	5	,	,	PUNCT
blsr-19367	258	6	february	february	PROPN
blsr-19367	258	7	11	11	NUM
blsr-19367	258	8	,	,	PUNCT
blsr-19367	258	9	2025	2025	NUM
blsr-19367	258	10	.	.	PUNCT
blsr-19367	259	1	55	55	NUM
blsr-19367	259	2	www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload	www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload	NOUN
blsr-19367	259	3	/order	/order	NOUN
blsr-19367	259	4	-	-	PUNCT
blsr-19367	259	5	no-2025	no-2025	ADP
blsr-19367	259	6	-	-	PUNCT
blsr-19367	259	7	1	1	NUM
blsr-19367	259	8	-	-	PUNCT
blsr-19367	259	9	approving	approve	VERB
blsr-19367	259	10	-	-	PUNCT
blsr-19367	259	11	the	the	DET
blsr-19367	259	12	-	-	PUNCT
blsr-19367	259	13	california	california	NOUN
blsr-19367	259	14	-	-	PUNCT
blsr-19367	259	15	fair	fair	ADJ
blsr-19367	259	16	-	-	PUNCT
blsr-19367	259	17	plan	plan	NOUN
blsr-19367	259	18	-	-	PUNCT
blsr-19367	259	19	association	association	NOUN
blsr-19367	259	20	-	-	PUNCT
blsr-19367	259	21	s	s	NOUN
blsr-19367	259	22	-	-	PUNCT
blsr-19367	259	23	request	request	NOUN
blsr-19367	259	24	-	-	PUNCT
blsr-19367	259	25	to	to	ADP
blsr-19367	259	26	-	-	PUNCT
blsr-19367	259	27	issueassessment.pdf	issueassessment.pdf	NOUN
blsr-19367	259	28	.	.	PROPN
blsr-19367	259	29	41	41	NUM
blsr-19367	259	30	lehmann	lehmann	PROPN
blsr-19367	259	31	,	,	PUNCT
blsr-19367	259	32	r.j	r.j	PROPN
blsr-19367	259	33	.	.	PROPN
blsr-19367	259	34	,	,	PUNCT
blsr-19367	259	35	and	and	CCONJ
blsr-19367	259	36	ian	ian	PROPN
blsr-19367	259	37	adams	adams	PROPN
blsr-19367	259	38	.	.	PUNCT
blsr-19367	260	1	“	"	PUNCT
blsr-19367	260	2	the	the	DET
blsr-19367	260	3	questionable	questionable	ADJ
blsr-19367	260	4	value	value	NOUN
blsr-19367	260	5	of	of	ADP
blsr-19367	260	6	california	california	PROPN
blsr-19367	260	7	’s	’s	PART
blsr-19367	260	8	rate	rate	NOUN
blsr-19367	260	9	intervenors	intervenor	NOUN
blsr-19367	260	10	.	.	PUNCT
blsr-19367	260	11	”	"	PUNCT
blsr-19367	261	1	international	international	ADJ
blsr-19367	261	2	center	center	NOUN
blsr-19367	261	3	for	for	ADP
blsr-19367	261	4	law	law	NOUN
blsr-19367	261	5	&	&	CCONJ
blsr-19367	261	6	economics	economic	NOUN
blsr-19367	261	7	,	,	PUNCT
blsr-19367	261	8	july	july	PROPN
blsr-19367	261	9	19	19	NUM
blsr-19367	261	10	,	,	PUNCT
blsr-19367	261	11	2024	2024	NUM
blsr-19367	261	12	.	.	PUNCT
blsr-19367	262	1	laweconcenter.org/resources/the-questionable-value-of-californias-rate-intervenors/.	laweconcenter.org/resources/the-questionable-value-of-californias-rate-intervenors/.	NOUN
blsr-19367	262	2	42	42	NUM
blsr-19367	262	3	masterson	masterson	PROPN
blsr-19367	262	4	,	,	PUNCT
blsr-19367	262	5	les	les	PROPN
blsr-19367	262	6	.	.	PUNCT
blsr-19367	263	1	“	"	PUNCT
blsr-19367	263	2	8	8	NUM
blsr-19367	263	3	types	type	NOUN
blsr-19367	263	4	of	of	ADP
blsr-19367	263	5	homeowners	homeowner	NOUN
blsr-19367	263	6	insurance	insurance	NOUN
blsr-19367	263	7	policies	policy	NOUN
blsr-19367	263	8	.	.	PUNCT
blsr-19367	263	9	”	"	PUNCT
blsr-19367	264	1	forbes	forbes	PROPN
blsr-19367	264	2	,	,	PUNCT
blsr-19367	264	3	october	october	PROPN
blsr-19367	264	4	9	9	NUM
blsr-19367	264	5	,	,	PUNCT
blsr-19367	264	6	2023	2023	NUM
blsr-19367	264	7	.	.	PUNCT
blsr-19367	265	1	www.forbes.com/advisor/homeowners-insurance/policy-types/.	www.forbes.com/advisor/homeowners-insurance/policy-types/.	NOUN
blsr-19367	265	2	43	43	NUM
blsr-19367	265	3	mcmahon	mcmahon	PROPN
blsr-19367	265	4	,	,	PUNCT
blsr-19367	265	5	jeff	jeff	PROPN
blsr-19367	265	6	.	.	PUNCT
blsr-19367	266	1	“	"	PUNCT
blsr-19367	266	2	81	81	NUM
blsr-19367	266	3	%	%	NOUN
blsr-19367	266	4	of	of	ADP
blsr-19367	266	5	renewables	renewable	NOUN
blsr-19367	266	6	offer	offer	VERB
blsr-19367	266	7	cheaper	cheap	ADJ
blsr-19367	266	8	energy	energy	NOUN
blsr-19367	266	9	than	than	ADP
blsr-19367	266	10	fossil	fossil	ADJ
blsr-19367	266	11	fuels	fuel	NOUN
blsr-19367	266	12	,	,	PUNCT
blsr-19367	266	13	report	report	NOUN
blsr-19367	266	14	says	say	VERB
blsr-19367	266	15	.	.	PUNCT
blsr-19367	266	16	”	"	PUNCT
blsr-19367	267	1	forbes	forbes	PROPN
blsr-19367	267	2	,	,	PUNCT
blsr-19367	267	3	september	september	PROPN
blsr-19367	267	4	26	26	NUM
blsr-19367	267	5	,	,	PUNCT
blsr-19367	267	6	2024	2024	NUM
blsr-19367	267	7	.	.	PUNCT
blsr-19367	268	1	www.forbes.com/sites/jeffmcmahon/2024/09/26/81-of-new-renewables-produce-cheaperenergy-than-fossil-fuels/.	www.forbes.com/sites/jeffmcmahon/2024/09/26/81-of-new-renewables-produce-cheaperenergy-than-fossil-fuels/.	NOUN
blsr-19367	268	2	44	44	NUM
blsr-19367	268	3	mellino	mellino	NOUN
blsr-19367	268	4	,	,	PUNCT
blsr-19367	268	5	ryan	ryan	PROPN
blsr-19367	268	6	.	.	PUNCT
blsr-19367	269	1	“	"	PUNCT
blsr-19367	269	2	consumer	consumer	NOUN
blsr-19367	269	3	watchdog	watchdog	NOUN
blsr-19367	269	4	sues	sue	VERB
blsr-19367	269	5	to	to	PART
blsr-19367	269	6	stop	stop	VERB
blsr-19367	269	7	hundreds	hundred	NOUN
blsr-19367	269	8	of	of	ADP
blsr-19367	269	9	millions	million	NOUN
blsr-19367	269	10	of	of	ADP
blsr-19367	269	11	dollars	dollar	NOUN
blsr-19367	269	12	in	in	ADP
blsr-19367	269	13	unjustified	unjustified	ADJ
blsr-19367	269	14	surcharges	surcharge	NOUN
blsr-19367	269	15	from	from	ADP
blsr-19367	269	16	being	be	AUX
blsr-19367	269	17	imposed	impose	VERB
blsr-19367	269	18	on	on	ADP
blsr-19367	269	19	california	california	PROPN
blsr-19367	269	20	homeowners	homeowner	NOUN
blsr-19367	269	21	.	.	PUNCT
blsr-19367	269	22	”	"	PUNCT
blsr-19367	270	1	consumer	consumer	NOUN
blsr-19367	270	2	watchdog	watchdog	NOUN
blsr-19367	270	3	,	,	PUNCT
blsr-19367	270	4	april	april	PROPN
blsr-19367	270	5	15	15	NUM
blsr-19367	270	6	,	,	PUNCT
blsr-19367	270	7	2025	2025	NUM
blsr-19367	270	8	.	.	PUNCT
blsr-19367	271	1	consumerwatchdog.org/in-the-courtroom/consumer-watchdog-sues-to-stop-hundreds-ofmillions-of-dollars-in-unjustified-surcharges-from-being-imposed-on-california-homeow	consumerwatchdog.org/in-the-courtroom/consumer-watchdog-sues-to-stop-hundreds-ofmillions-of-dollars-in-unjustified-surcharges-from-being-imposed-on-california-homeow	PROPN
blsr-19367	271	2	ners/.	ners/.	PROPN
blsr-19367	271	3	45	45	NUM
blsr-19367	271	4	naik	naik	PROPN
blsr-19367	271	5	,	,	PUNCT
blsr-19367	271	6	guatam	guatam	NOUN
blsr-19367	271	7	.	.	PUNCT
blsr-19367	272	1	“	"	PUNCT
blsr-19367	272	2	cat	cat	NOUN
blsr-19367	272	3	-	-	PUNCT
blsr-19367	272	4	bond	bond	NOUN
blsr-19367	272	5	issuance	issuance	NOUN
blsr-19367	272	6	pushes	push	VERB
blsr-19367	272	7	overall	overall	ADJ
blsr-19367	272	8	market	market	NOUN
blsr-19367	272	9	to	to	ADP
blsr-19367	272	10	almost	almost	ADV
blsr-19367	272	11	$	$	SYM
blsr-19367	272	12	50	50	NUM
blsr-19367	272	13	billion	billion	NUM
blsr-19367	272	14	.	.	PUNCT
blsr-19367	272	15	”	"	PUNCT
blsr-19367	273	1	bloomberg	bloomberg	PROPN
blsr-19367	273	2	,	,	PUNCT
blsr-19367	273	3	december	december	PROPN
blsr-19367	273	4	23	23	NUM
blsr-19367	273	5	,	,	PUNCT
blsr-19367	273	6	2024	2024	NUM
blsr-19367	273	7	.	.	PUNCT
blsr-19367	274	1	www.bloomberg.com/news/articles/2024-12-23/cat-bond-issuance-pushes-overall-market	www.bloomberg.com/news/articles/2024-12-23/cat-bond-issuance-pushes-overall-market	ADJ
blsr-19367	274	2	-to	-to	ADJ
blsr-19367	274	3	-	-	PUNCT
blsr-19367	274	4	almost-50	almost-50	NOUN
blsr-19367	274	5	-	-	PUNCT
blsr-19367	274	6	billion	billion	NUM
blsr-19367	274	7	.	.	PUNCT
blsr-19367	275	1	56	56	NUM
blsr-19367	275	2	46	46	NUM
blsr-19367	275	3	nevitt	nevitt	NOUN
blsr-19367	275	4	,	,	PUNCT
blsr-19367	275	5	mark	mark	NOUN
blsr-19367	275	6	,	,	PUNCT
blsr-19367	275	7	and	and	CCONJ
blsr-19367	275	8	michael	michael	PROPN
blsr-19367	275	9	pappas	pappas	PROPN
blsr-19367	275	10	.	.	PUNCT
blsr-19367	276	1	“	"	PUNCT
blsr-19367	276	2	climate	climate	NOUN
blsr-19367	276	3	risk	risk	NOUN
blsr-19367	276	4	,	,	PUNCT
blsr-19367	276	5	insurance	insurance	NOUN
blsr-19367	276	6	retreat	retreat	NOUN
blsr-19367	276	7	,	,	PUNCT
blsr-19367	276	8	and	and	CCONJ
blsr-19367	276	9	state	state	NOUN
blsr-19367	276	10	response	response	NOUN
blsr-19367	276	11	.	.	PUNCT
blsr-19367	276	12	”	"	PUNCT
blsr-19367	277	1	georgia	georgia	PROPN
blsr-19367	277	2	law	law	PROPN
blsr-19367	277	3	review	review	NOUN
blsr-19367	277	4	58	58	NUM
blsr-19367	277	5	,	,	PUNCT
blsr-19367	277	6	no	no	INTJ
blsr-19367	277	7	.	.	NOUN
blsr-19367	277	8	4	4	NUM
blsr-19367	277	9	(	(	PUNCT
blsr-19367	277	10	2024	2024	NUM
blsr-19367	277	11	):	):	PUNCT
blsr-19367	277	12	1603	1603	NUM
blsr-19367	277	13	-	-	SYM
blsr-19367	277	14	1661	1661	NUM
blsr-19367	277	15	.	.	PUNCT
blsr-19367	278	1	https://digitalcommons.law.uga.edu/glr/vol58/iss4/4	https://digitalcommons.law.uga.edu/glr/vol58/iss4/4	NOUN
blsr-19367	278	2	.	.	PUNCT
blsr-19367	279	1	47	47	NUM
blsr-19367	279	2	nguyen	nguyen	NOUN
blsr-19367	279	3	,	,	PUNCT
blsr-19367	279	4	tran	tran	PROPN
blsr-19367	279	5	.	.	PUNCT
blsr-19367	280	1	“	"	PUNCT
blsr-19367	280	2	california	california	PROPN
blsr-19367	280	3	’s	’s	PART
blsr-19367	280	4	insurer	insurer	NOUN
blsr-19367	280	5	for	for	ADP
blsr-19367	280	6	people	people	NOUN
blsr-19367	280	7	without	without	ADP
blsr-19367	280	8	private	private	ADJ
blsr-19367	280	9	coverage	coverage	NOUN
blsr-19367	280	10	needs	need	VERB
blsr-19367	280	11	$	$	SYM
blsr-19367	280	12	1	1	NUM
blsr-19367	280	13	billion	billion	NUM
blsr-19367	280	14	more	more	ADJ
blsr-19367	280	15	for	for	SCONJ
blsr-19367	280	16	la	la	ADJ
blsr-19367	280	17	fires	fire	NOUN
blsr-19367	280	18	claims	claim	VERB
blsr-19367	280	19	.	.	PUNCT
blsr-19367	280	20	”	"	PUNCT
blsr-19367	281	1	associated	associated	PROPN
blsr-19367	281	2	press	press	NOUN
blsr-19367	281	3	,	,	PUNCT
blsr-19367	281	4	february	february	PROPN
blsr-19367	281	5	11	11	NUM
blsr-19367	281	6	,	,	PUNCT
blsr-19367	281	7	2025	2025	NUM
blsr-19367	281	8	.	.	PUNCT
blsr-19367	282	1	apnews.com/article/california-wildfires-insurance-fair-plan-dfb7cda506560ec50edee8ad7	apnews.com/article/california-wildfires-insurance-fair-plan-dfb7cda506560ec50edee8ad7	PROPN
blsr-19367	282	2	2cbcda8	2cbcda8	NUM
blsr-19367	282	3	.	.	PUNCT
blsr-19367	282	4	48	48	NUM
blsr-19367	282	5	palm	palm	NOUN
blsr-19367	282	6	,	,	PUNCT
blsr-19367	282	7	iman	iman	NOUN
blsr-19367	282	8	.	.	PUNCT
blsr-19367	283	1	“	"	PUNCT
blsr-19367	283	2	allstate	allstate	PROPN
blsr-19367	283	3	approved	approve	VERB
blsr-19367	283	4	for	for	ADP
blsr-19367	283	5	34.1	34.1	NUM
blsr-19367	283	6	%	%	NOUN
blsr-19367	283	7	rate	rate	NOUN
blsr-19367	283	8	hike	hike	NOUN
blsr-19367	283	9	in	in	ADP
blsr-19367	283	10	california	california	PROPN
blsr-19367	283	11	,	,	PUNCT
blsr-19367	283	12	affecting	affect	VERB
blsr-19367	283	13	over	over	ADP
blsr-19367	283	14	350,000	350,000	NUM
blsr-19367	283	15	policyholders	policyholder	NOUN
blsr-19367	283	16	.	.	PUNCT
blsr-19367	283	17	”	"	PUNCT
blsr-19367	284	1	ktla	ktla	PROPN
blsr-19367	284	2	news	news	PROPN
blsr-19367	284	3	,	,	PUNCT
blsr-19367	284	4	august	august	PROPN
blsr-19367	284	5	29	29	NUM
blsr-19367	284	6	,	,	PUNCT
blsr-19367	284	7	2024	2024	NUM
blsr-19367	284	8	.	.	PUNCT
blsr-19367	285	1	ktla.com/news/california/allstate-approved-for-34-1-rate-hike-in-california-affecting-over	ktla.com/news/california/allstate-approved-for-34-1-rate-hike-in-california-affecting-over	PROPN
blsr-19367	285	2	-350000	-350000	PROPN
blsr-19367	285	3	-	-	PUNCT
blsr-19367	285	4	policyholders/.	policyholders/.	NOUN
blsr-19367	285	5	49	49	NUM
blsr-19367	285	6	patti	patti	ADJ
blsr-19367	285	7	,	,	PUNCT
blsr-19367	285	8	hope	hope	NOUN
blsr-19367	285	9	.	.	PUNCT
blsr-19367	286	1	“	"	PUNCT
blsr-19367	286	2	calif	calif	PROPN
blsr-19367	286	3	.	.	PUNCT
blsr-19367	287	1	homeowners	homeowner	NOUN
blsr-19367	287	2	say	say	VERB
blsr-19367	287	3	insurers	insurer	NOUN
blsr-19367	287	4	colluded	collude	VERB
blsr-19367	287	5	to	to	PART
blsr-19367	287	6	limit	limit	VERB
blsr-19367	287	7	coverage	coverage	NOUN
blsr-19367	287	8	.	.	PUNCT
blsr-19367	287	9	”	"	PUNCT
blsr-19367	288	1	law360	law360	PROPN
blsr-19367	288	2	,	,	PUNCT
blsr-19367	288	3	april	april	PROPN
blsr-19367	288	4	21	21	NUM
blsr-19367	288	5	,	,	PUNCT
blsr-19367	288	6	2025	2025	NUM
blsr-19367	288	7	.	.	PUNCT
blsr-19367	289	1	www.law360.com/insurance/articles/2328104?nl_pk=5ee8aa6d-148a-4672-b4d2-03006a	www.law360.com/insurance/articles/2328104?nl_pk=5ee8aa6d-148a-4672-b4d2-03006a	PROPN
blsr-19367	289	2	9cb840&utm_source	9cb840&utm_source	PROPN
blsr-19367	290	1	=	=	SYM
blsr-19367	290	2	newsletter&utm_medium	newsletter&utm_medium	PRON
blsr-19367	290	3	=	=	SYM
blsr-19367	290	4	email&utm_campaign	email&utm_campaign	NOUN
blsr-19367	290	5	=	=	SYM
blsr-19367	290	6	insurance&utm	insurance&utm	NOUN
blsr-19367	290	7	_	_	NOUN
blsr-19367	290	8	content=2025	content=2025	NOUN
blsr-19367	290	9	-	-	PUNCT
blsr-19367	290	10	04	04	NUM
blsr-19367	290	11	-	-	PUNCT
blsr-19367	290	12	22&read_main=1&nlsidx=0&nlaidx=2	22&read_main=1&nlsidx=0&nlaidx=2	NUM
blsr-19367	290	13	.	.	NOUN
blsr-19367	290	14	50	50	NUM
blsr-19367	290	15	phillips	phillip	NOUN
blsr-19367	290	16	,	,	PUNCT
blsr-19367	290	17	noelle	noelle	PROPN
blsr-19367	290	18	.	.	PUNCT
blsr-19367	291	1	“	"	PUNCT
blsr-19367	291	2	colorado	colorado	NOUN
blsr-19367	291	3	launches	launch	VERB
blsr-19367	291	4	new	new	ADJ
blsr-19367	291	5	‘	'	PUNCT
blsr-19367	291	6	last	last	ADJ
blsr-19367	291	7	resort	resort	NOUN
blsr-19367	291	8	’	'	PUNCT
blsr-19367	291	9	homeowners	homeowner	NOUN
blsr-19367	291	10	insurance	insurance	NOUN
blsr-19367	291	11	policy	policy	NOUN
blsr-19367	291	12	.	.	PUNCT
blsr-19367	291	13	”	"	PUNCT
blsr-19367	292	1	the	the	DET
blsr-19367	292	2	denver	denver	PROPN
blsr-19367	292	3	post	post	PROPN
blsr-19367	292	4	,	,	PUNCT
blsr-19367	292	5	april	april	PROPN
blsr-19367	292	6	10	10	NUM
blsr-19367	292	7	,	,	PUNCT
blsr-19367	292	8	2025	2025	NUM
blsr-19367	292	9	.	.	PUNCT
blsr-19367	293	1	www.denverpost.com/2025/04/10/colorado-fair-plan-homeowners-insurance/.	www.denverpost.com/2025/04/10/colorado-fair-plan-homeowners-insurance/.	PROPN
blsr-19367	293	2	51	51	NUM
blsr-19367	293	3	“	"	PUNCT
blsr-19367	293	4	prop	prop	NOUN
blsr-19367	293	5	103	103	NUM
blsr-19367	293	6	consumer	consumer	NOUN
blsr-19367	293	7	intervenor	intervenor	NOUN
blsr-19367	293	8	process	process	NOUN
blsr-19367	293	9	.	.	PUNCT
blsr-19367	293	10	”	"	PUNCT
blsr-19367	294	1	california	california	PROPN
blsr-19367	294	2	department	department	PROPN
blsr-19367	294	3	of	of	ADP
blsr-19367	294	4	insurance	insurance	PROPN
blsr-19367	294	5	,	,	PUNCT
blsr-19367	294	6	n.d	n.d	PROPN
blsr-19367	294	7	.	.	PROPN
blsr-19367	295	1	www.insurance.ca.gov/01-consumers/150-other-prog/01-intervenor/.	www.insurance.ca.gov/01-consumers/150-other-prog/01-intervenor/.	PROPN
blsr-19367	295	2	52	52	NUM
blsr-19367	295	3	rafferty	rafferty	PROPN
blsr-19367	295	4	,	,	PUNCT
blsr-19367	295	5	john	john	PROPN
blsr-19367	295	6	p.	p.	PROPN
blsr-19367	296	1	“	"	PUNCT
blsr-19367	296	2	hurricane	hurricane	PROPN
blsr-19367	296	3	helene	helene	NOUN
blsr-19367	296	4	.	.	PUNCT
blsr-19367	296	5	”	"	PUNCT
blsr-19367	296	6	encyclopedia	encyclopedia	PROPN
blsr-19367	296	7	britannica	britannica	PROPN
blsr-19367	296	8	,	,	PUNCT
blsr-19367	296	9	march	march	PROPN
blsr-19367	296	10	19	19	NUM
blsr-19367	296	11	,	,	PUNCT
blsr-19367	296	12	2025	2025	NUM
blsr-19367	296	13	.	.	PUNCT
blsr-19367	297	1	www.britannica.com/event/hurricane-helene	www.britannica.com/event/hurricane-helene	NUM
blsr-19367	297	2	.	.	PUNCT
blsr-19367	298	1	57	57	NUM
blsr-19367	298	2	53	53	NUM
blsr-19367	298	3	ramos	ramo	NOUN
blsr-19367	298	4	,	,	PUNCT
blsr-19367	298	5	john	john	PROPN
blsr-19367	298	6	.	.	PUNCT
blsr-19367	299	1	“	"	PUNCT
blsr-19367	299	2	california	california	PROPN
blsr-19367	299	3	officials	official	NOUN
blsr-19367	299	4	seem	seem	VERB
blsr-19367	299	5	receptive	receptive	ADJ
blsr-19367	299	6	to	to	ADP
blsr-19367	299	7	state	state	NOUN
blsr-19367	299	8	farm	farm	NOUN
blsr-19367	299	9	insurance	insurance	NOUN
blsr-19367	299	10	’s	’s	PART
blsr-19367	299	11	emergency	emergency	NOUN
blsr-19367	299	12	rate	rate	NOUN
blsr-19367	299	13	hike	hike	NOUN
blsr-19367	299	14	request	request	NOUN
blsr-19367	299	15	at	at	ADP
blsr-19367	299	16	oakland	oakland	PROPN
blsr-19367	299	17	hearing	hearing	NOUN
blsr-19367	299	18	.	.	PUNCT
blsr-19367	299	19	”	"	PUNCT
blsr-19367	300	1	cbs	cbs	PROPN
blsr-19367	300	2	news	news	PROPN
blsr-19367	300	3	,	,	PUNCT
blsr-19367	300	4	april	april	PROPN
blsr-19367	300	5	8	8	NUM
blsr-19367	300	6	,	,	PUNCT
blsr-19367	300	7	2025	2025	NUM
blsr-19367	300	8	.	.	PUNCT
blsr-19367	300	9	www.cbsnews.com/sanfrancisco/news/california-insurance-officials-receptive-state-farmemergency-rate-hike/.	www.cbsnews.com/sanfrancisco/news/california-insurance-officials-receptive-state-farmemergency-rate-hike/.	VERB
blsr-19367	300	10	54	54	NUM
blsr-19367	300	11	rapier	rapier	NOUN
blsr-19367	300	12	,	,	PUNCT
blsr-19367	300	13	robert	robert	PROPN
blsr-19367	300	14	.	.	PUNCT
blsr-19367	301	1	“	"	PUNCT
blsr-19367	301	2	u.s	u.s	PROPN
blsr-19367	301	3	.	.	PROPN
blsr-19367	301	4	power	power	NOUN
blsr-19367	301	5	sector	sector	NOUN
blsr-19367	301	6	milestone	milestone	NOUN
blsr-19367	301	7	:	:	PUNCT
blsr-19367	301	8	fossil	fossil	ADJ
blsr-19367	301	9	fuels	fuel	NOUN
blsr-19367	301	10	drop	drop	VERB
blsr-19367	301	11	below	below	ADP
blsr-19367	301	12	50	50	NUM
blsr-19367	301	13	%	%	NOUN
blsr-19367	301	14	.	.	PUNCT
blsr-19367	301	15	”	"	PUNCT
blsr-19367	302	1	forbes	forbes	PROPN
blsr-19367	302	2	,	,	PUNCT
blsr-19367	302	3	april	april	PROPN
blsr-19367	302	4	29	29	NUM
blsr-19367	302	5	,	,	PUNCT
blsr-19367	302	6	2025	2025	NUM
blsr-19367	302	7	.	.	PUNCT
blsr-19367	303	1	www.forbes.com/sites/rrapier/2025/04/29/us-power-sector-milestone-fossil-fuels-drop-be	www.forbes.com/sites/rrapier/2025/04/29/us-power-sector-milestone-fossil-fuels-drop-be	PROPN
blsr-19367	303	2	low-50/.	low-50/.	VERB
blsr-19367	303	3	55	55	NUM
blsr-19367	303	4	ratley	ratley	NOUN
blsr-19367	303	5	,	,	PUNCT
blsr-19367	303	6	justin	justin	PROPN
blsr-19367	303	7	,	,	PUNCT
blsr-19367	303	8	and	and	CCONJ
blsr-19367	303	9	jon	jon	PROPN
blsr-19367	303	10	burnovski	burnovski	VERB
blsr-19367	303	11	.	.	PUNCT
blsr-19367	304	1	“	"	PUNCT
blsr-19367	304	2	how	how	SCONJ
blsr-19367	304	3	calif	calif	PROPN
blsr-19367	304	4	.	.	PROPN
blsr-19367	304	5	’s	’s	PART
blsr-19367	304	6	wildfire	wildfire	NOUN
blsr-19367	304	7	insurance	insurance	NOUN
blsr-19367	304	8	crisis	crisis	NOUN
blsr-19367	304	9	might	might	AUX
blsr-19367	304	10	affect	affect	VERB
blsr-19367	304	11	texas	texas	PROPN
blsr-19367	304	12	.	.	PUNCT
blsr-19367	304	13	”	"	PUNCT
blsr-19367	305	1	law360	law360	PROPN
blsr-19367	305	2	,	,	PUNCT
blsr-19367	305	3	march	march	PROPN
blsr-19367	305	4	20	20	NUM
blsr-19367	305	5	,	,	PUNCT
blsr-19367	305	6	2025	2025	NUM
blsr-19367	305	7	.	.	PUNCT
blsr-19367	305	8	www.law360.com/california/articles/2313111/how-calif-s-wildfire-insurance-crisis-might	www.law360.com/california/articles/2313111/how-calif-s-wildfire-insurance-crisis-might	ADJ
blsr-19367	305	9	-affect	-affect	PROPN
blsr-19367	305	10	-	-	PUNCT
blsr-19367	305	11	texas	texas	PROPN
blsr-19367	305	12	.	.	PUNCT
blsr-19367	306	1	56	56	NUM
blsr-19367	306	2	“	"	PUNCT
blsr-19367	306	3	residential	residential	ADJ
blsr-19367	306	4	clean	clean	ADJ
blsr-19367	306	5	energy	energy	NOUN
blsr-19367	306	6	credit	credit	NOUN
blsr-19367	306	7	.	.	PUNCT
blsr-19367	306	8	”	"	PUNCT
blsr-19367	307	1	internal	internal	ADJ
blsr-19367	307	2	revenue	revenue	NOUN
blsr-19367	307	3	service	service	NOUN
blsr-19367	307	4	,	,	PUNCT
blsr-19367	307	5	n.d	n.d	PROPN
blsr-19367	307	6	.	.	PROPN
blsr-19367	307	7	www.irs.gov/credits-deductions/residential-clean-energy-credit	www.irs.gov/credits-deductions/residential-clean-energy-credit	PROPN
blsr-19367	307	8	.	.	PUNCT
blsr-19367	308	1	57	57	NUM
blsr-19367	308	2	riquier	riquier	ADJ
blsr-19367	308	3	,	,	PUNCT
blsr-19367	308	4	andrea	andrea	PROPN
blsr-19367	308	5	.	.	PUNCT
blsr-19367	309	1	“	"	PUNCT
blsr-19367	309	2	climate	climate	NOUN
blsr-19367	309	3	change	change	NOUN
blsr-19367	309	4	is	be	AUX
blsr-19367	309	5	worsening	worsen	VERB
blsr-19367	309	6	the	the	DET
blsr-19367	309	7	insurance	insurance	NOUN
blsr-19367	309	8	crisis	crisis	NOUN
blsr-19367	309	9	.	.	PUNCT
blsr-19367	310	1	some	some	DET
blsr-19367	310	2	states	state	NOUN
blsr-19367	310	3	have	have	VERB
blsr-19367	310	4	solutions	solution	NOUN
blsr-19367	310	5	.	.	PUNCT
blsr-19367	310	6	”	"	PUNCT
blsr-19367	311	1	usa	usa	PROPN
blsr-19367	311	2	today	today	NOUN
blsr-19367	311	3	,	,	PUNCT
blsr-19367	311	4	january	january	PROPN
blsr-19367	311	5	27	27	NUM
blsr-19367	311	6	,	,	PUNCT
blsr-19367	311	7	2025	2025	NUM
blsr-19367	311	8	.	.	PUNCT
blsr-19367	312	1	www.usatoday.com/story/money/personalfinance/real-estate/2025/01/27/homeowners-ins	www.usatoday.com/story/money/personalfinance/real-estate/2025/01/27/homeowners-in	VERB
blsr-19367	312	2	urance	urance	ADJ
blsr-19367	312	3	-	-	PUNCT
blsr-19367	312	4	crisis	crisis	NOUN
blsr-19367	312	5	-	-	PUNCT
blsr-19367	312	6	states/77775382007/.	states/77775382007/.	PROPN
blsr-19367	312	7	58	58	NUM
blsr-19367	312	8	smith	smith	PROPN
blsr-19367	312	9	,	,	PUNCT
blsr-19367	312	10	adam	adam	PROPN
blsr-19367	312	11	b.	b.	PROPN
blsr-19367	312	12	“	"	PUNCT
blsr-19367	312	13	2024	2024	NUM
blsr-19367	312	14	:	:	PUNCT
blsr-19367	312	15	an	an	DET
blsr-19367	312	16	active	active	ADJ
blsr-19367	312	17	year	year	NOUN
blsr-19367	312	18	of	of	ADP
blsr-19367	312	19	u.s	u.s	PROPN
blsr-19367	312	20	.	.	PROPN
blsr-19367	312	21	billion	billion	NUM
blsr-19367	312	22	-	-	PUNCT
blsr-19367	312	23	dollar	dollar	NOUN
blsr-19367	312	24	weather	weather	NOUN
blsr-19367	312	25	and	and	CCONJ
blsr-19367	312	26	climate	climate	NOUN
blsr-19367	312	27	disasters	disaster	NOUN
blsr-19367	312	28	.	.	PUNCT
blsr-19367	312	29	”	"	PUNCT
blsr-19367	313	1	noaa	noaa	NOUN
blsr-19367	313	2	,	,	PUNCT
blsr-19367	313	3	january	january	PROPN
blsr-19367	313	4	10	10	NUM
blsr-19367	313	5	,	,	PUNCT
blsr-19367	313	6	2025	2025	NUM
blsr-19367	313	7	.	.	PUNCT
blsr-19367	314	1	www.climate.gov/news-features/blogs/beyond-data/2024-active-year-us-billion-dollar-we	www.climate.gov/news-features/blogs/beyond-data/2024-active-year-us-billion-dollar-we	NOUN
blsr-19367	314	2	ather	ather	ADV
blsr-19367	314	3	-	-	PUNCT
blsr-19367	314	4	and	and	CCONJ
blsr-19367	314	5	-	-	PUNCT
blsr-19367	314	6	climate	climate	NOUN
blsr-19367	314	7	-	-	PUNCT
blsr-19367	314	8	disasters	disaster	NOUN
blsr-19367	314	9	.	.	PUNCT
blsr-19367	315	1	58	58	NUM
blsr-19367	315	2	59	59	NUM
blsr-19367	315	3	swedroe	swedroe	NOUN
blsr-19367	315	4	,	,	PUNCT
blsr-19367	315	5	larry	larry	PROPN
blsr-19367	315	6	.	.	PUNCT
blsr-19367	316	1	“	"	PUNCT
blsr-19367	316	2	catastrophe	catastrophe	NOUN
blsr-19367	316	3	bonds	bond	NOUN
blsr-19367	316	4	as	as	ADP
blsr-19367	316	5	portfolio	portfolio	NOUN
blsr-19367	316	6	diversifiers	diversifier	NOUN
blsr-19367	316	7	:	:	PUNCT
blsr-19367	316	8	pros	pro	NOUN
blsr-19367	316	9	and	and	CCONJ
blsr-19367	316	10	cons	con	NOUN
blsr-19367	316	11	.	.	PUNCT
blsr-19367	316	12	”	"	PUNCT
blsr-19367	316	13	morningstar	morningstar	PROPN
blsr-19367	316	14	,	,	PUNCT
blsr-19367	316	15	june	june	PROPN
blsr-19367	316	16	12	12	NUM
blsr-19367	316	17	,	,	PUNCT
blsr-19367	316	18	2024	2024	NUM
blsr-19367	316	19	.	.	PUNCT
blsr-19367	317	1	www.morningstar.com/bonds/catastrophe-bonds-strategic-diversifier	www.morningstar.com/bonds/catastrophe-bonds-strategic-diversifi	ADJ
blsr-19367	317	2	.	.	PUNCT
blsr-19367	318	1	60	60	NUM
blsr-19367	318	2	thaler	thaler	NOUN
blsr-19367	318	3	,	,	PUNCT
blsr-19367	318	4	richard	richard	PROPN
blsr-19367	318	5	,	,	PUNCT
blsr-19367	318	6	and	and	CCONJ
blsr-19367	318	7	cass	cass	PROPN
blsr-19367	318	8	sunstein	sunstein	PROPN
blsr-19367	318	9	.	.	PUNCT
blsr-19367	319	1	introduction	introduction	NOUN
blsr-19367	319	2	to	to	PART
blsr-19367	319	3	nudge	nudge	VERB
blsr-19367	319	4	:	:	PUNCT
blsr-19367	319	5	improving	improve	VERB
blsr-19367	319	6	decisions	decision	NOUN
blsr-19367	319	7	about	about	ADP
blsr-19367	319	8	health	health	NOUN
blsr-19367	319	9	,	,	PUNCT
blsr-19367	319	10	wealth	wealth	NOUN
blsr-19367	319	11	,	,	PUNCT
blsr-19367	319	12	and	and	CCONJ
blsr-19367	319	13	happiness	happiness	NOUN
blsr-19367	319	14	,	,	PUNCT
blsr-19367	319	15	1	1	NUM
blsr-19367	319	16	-	-	SYM
blsr-19367	319	17	13	13	NUM
blsr-19367	319	18	.	.	PUNCT
blsr-19367	320	1	connecticut	connecticut	PROPN
blsr-19367	320	2	:	:	PUNCT
blsr-19367	320	3	yale	yale	PROPN
blsr-19367	320	4	university	university	PROPN
blsr-19367	320	5	press	press	NOUN
blsr-19367	320	6	,	,	PUNCT
blsr-19367	320	7	2008	2008	NUM
blsr-19367	320	8	.	.	PUNCT
blsr-19367	321	1	61	61	NUM
blsr-19367	321	2	trump	trump	NOUN
blsr-19367	321	3	,	,	PUNCT
blsr-19367	321	4	donald	donald	PROPN
blsr-19367	321	5	j.	j.	PROPN
blsr-19367	321	6	temporary	temporary	PROPN
blsr-19367	321	7	withdrawal	withdrawal	NOUN
blsr-19367	321	8	of	of	ADP
blsr-19367	321	9	all	all	DET
blsr-19367	321	10	areas	area	NOUN
blsr-19367	321	11	on	on	ADP
blsr-19367	321	12	the	the	DET
blsr-19367	321	13	outer	outer	ADJ
blsr-19367	321	14	continental	continental	ADJ
blsr-19367	321	15	shelf	shelf	NOUN
blsr-19367	321	16	from	from	ADP
blsr-19367	321	17	offshore	offshore	ADJ
blsr-19367	321	18	wind	wind	NOUN
blsr-19367	321	19	leasing	leasing	NOUN
blsr-19367	321	20	and	and	CCONJ
blsr-19367	321	21	review	review	NOUN
blsr-19367	321	22	of	of	ADP
blsr-19367	321	23	the	the	DET
blsr-19367	321	24	federal	federal	ADJ
blsr-19367	321	25	government	government	NOUN
blsr-19367	321	26	’s	’s	PART
blsr-19367	321	27	leasing	leasing	NOUN
blsr-19367	321	28	and	and	CCONJ
blsr-19367	321	29	permitting	permit	VERB
blsr-19367	321	30	practices	practice	NOUN
blsr-19367	321	31	for	for	ADP
blsr-19367	321	32	wind	wind	NOUN
blsr-19367	321	33	projects	project	NOUN
blsr-19367	321	34	.	.	PUNCT
blsr-19367	322	1	washington	washington	PROPN
blsr-19367	322	2	,	,	PUNCT
blsr-19367	322	3	d.c	d.c	PROPN
blsr-19367	322	4	.	.	PROPN
blsr-19367	322	5	:	:	PUNCT
blsr-19367	323	1	the	the	DET
blsr-19367	323	2	white	white	PROPN
blsr-19367	323	3	house	house	PROPN
blsr-19367	323	4	,	,	PUNCT
blsr-19367	323	5	january	january	PROPN
blsr-19367	323	6	20	20	NUM
blsr-19367	323	7	,	,	PUNCT
blsr-19367	323	8	2025	2025	NUM
blsr-19367	323	9	.	.	PUNCT
blsr-19367	324	1	www.whitehouse.gov/presidential-actions/2025/01/temporary-withdrawal-of-all-areas-on	www.whitehouse.gov/presidential-actions/2025/01/temporary-withdrawal-of-all-areas-on	NOUN
blsr-19367	324	2	-the	-the	ADJ
blsr-19367	324	3	-	-	PUNCT
blsr-19367	324	4	outer	outer	ADJ
blsr-19367	324	5	-	-	PUNCT
blsr-19367	324	6	continental	continental	ADJ
blsr-19367	324	7	-	-	PUNCT
blsr-19367	324	8	shelf	shelf	NOUN
blsr-19367	324	9	-	-	PUNCT
blsr-19367	324	10	from	from	ADP
blsr-19367	324	11	-	-	PUNCT
blsr-19367	324	12	offshore	offshore	ADJ
blsr-19367	324	13	-	-	PUNCT
blsr-19367	324	14	wind	wind	NOUN
blsr-19367	324	15	-	-	PUNCT
blsr-19367	324	16	leasing	leasing	NOUN
blsr-19367	324	17	-	-	PUNCT
blsr-19367	324	18	and	and	CCONJ
blsr-19367	324	19	-	-	PUNCT
blsr-19367	324	20	review	review	NOUN
blsr-19367	324	21	-	-	PUNCT
blsr-19367	324	22	of	of	ADP
blsr-19367	324	23	-	-	PUNCT
blsr-19367	324	24	the	the	DET
blsr-19367	324	25	-	-	PUNCT
blsr-19367	324	26	federal	federal	ADJ
blsr-19367	324	27	-	-	PUNCT
blsr-19367	324	28	gover	gover	NOUN
blsr-19367	324	29	nments	nment	NOUN
blsr-19367	324	30	-	-	PUNCT
blsr-19367	324	31	leasing	lease	VERB
blsr-19367	324	32	-	-	PUNCT
blsr-19367	324	33	and	and	CCONJ
blsr-19367	324	34	-	-	PUNCT
blsr-19367	324	35	permitting	permitting	NOUN
blsr-19367	324	36	-	-	PUNCT
blsr-19367	324	37	practices	practice	NOUN
blsr-19367	324	38	-	-	PUNCT
blsr-19367	324	39	for	for	ADP
blsr-19367	324	40	-	-	PUNCT
blsr-19367	324	41	wind	wind	NOUN
blsr-19367	324	42	-	-	PUNCT
blsr-19367	324	43	projects/.	projects/.	NOUN
blsr-19367	324	44	62	62	NUM
blsr-19367	324	45	“	"	PUNCT
blsr-19367	324	46	update	update	NOUN
blsr-19367	324	47	on	on	ADP
blsr-19367	324	48	california	california	PROPN
blsr-19367	324	49	.	.	PUNCT
blsr-19367	324	50	”	"	PUNCT
blsr-19367	325	1	state	state	NOUN
blsr-19367	325	2	farm	farm	PROPN
blsr-19367	325	3	general	general	PROPN
blsr-19367	325	4	insurance	insurance	NOUN
blsr-19367	325	5	company	company	NOUN
blsr-19367	325	6	,	,	PUNCT
blsr-19367	325	7	march	march	PROPN
blsr-19367	325	8	14	14	NUM
blsr-19367	325	9	,	,	PUNCT
blsr-19367	325	10	2025	2025	NUM
blsr-19367	325	11	.	.	PUNCT
blsr-19367	326	1	newsroom.statefarm.com/state-farm-general-insurance-company-update-on-california-22025/.	newsroom.statefarm.com/state-farm-general-insurance-company-update-on-california-22025/.	PROPN
blsr-19367	326	2	63	63	NUM
blsr-19367	326	3	u.s	u.s	PROPN
blsr-19367	326	4	.	.	PROPN
blsr-19367	326	5	senate	senate	PROPN
blsr-19367	326	6	committee	committee	PROPN
blsr-19367	326	7	on	on	ADP
blsr-19367	326	8	the	the	DET
blsr-19367	326	9	budget	budget	NOUN
blsr-19367	326	10	.	.	PUNCT
blsr-19367	327	1	next	next	ADJ
blsr-19367	327	2	to	to	PART
blsr-19367	327	3	fall	fall	VERB
blsr-19367	327	4	:	:	PUNCT
blsr-19367	327	5	the	the	DET
blsr-19367	327	6	climate	climate	NOUN
blsr-19367	327	7	-	-	PUNCT
blsr-19367	327	8	driven	drive	VERB
blsr-19367	327	9	insurance	insurance	NOUN
blsr-19367	327	10	crisis	crisis	NOUN
blsr-19367	327	11	is	be	AUX
blsr-19367	327	12	here	here	ADV
blsr-19367	327	13	–	–	PUNCT
blsr-19367	327	14	and	and	CCONJ
blsr-19367	327	15	getting	get	VERB
blsr-19367	327	16	worse	bad	ADJ
blsr-19367	327	17	.	.	PUNCT
blsr-19367	328	1	washington	washington	PROPN
blsr-19367	328	2	,	,	PUNCT
blsr-19367	328	3	d.c	d.c	PROPN
blsr-19367	328	4	.	.	PUNCT
blsr-19367	328	5	:	:	PUNCT
blsr-19367	329	1	u.s	u.s	PROPN
blsr-19367	329	2	.	.	PROPN
blsr-19367	329	3	government	government	PROPN
blsr-19367	329	4	publishing	publishing	NOUN
blsr-19367	329	5	office	office	NOUN
blsr-19367	329	6	,	,	PUNCT
blsr-19367	329	7	december	december	PROPN
blsr-19367	329	8	18	18	NUM
blsr-19367	329	9	,	,	PUNCT
blsr-19367	329	10	2024	2024	NUM
blsr-19367	329	11	.	.	PUNCT
blsr-19367	330	1	https://www.budget.senate.gov/hearings/next-to-fall-the-climate-driven-insurance-crisis-i	https://www.budget.senate.gov/hearings/next-to-fall-the-climate-driven-insurance-crisis-i	X
blsr-19367	330	2	s	s	X
blsr-19367	330	3	-	-	PUNCT
blsr-19367	330	4	here_and	here_and	NUM
blsr-19367	330	5	-	-	PUNCT
blsr-19367	330	6	getting	getting	NOUN
blsr-19367	330	7	-	-	PUNCT
blsr-19367	330	8	worse	bad	ADJ
blsr-19367	330	9	.	.	PUNCT
blsr-19367	331	1	64	64	NUM
blsr-19367	331	2	“	"	PUNCT
blsr-19367	331	3	what	what	PRON
blsr-19367	331	4	is	be	AUX
blsr-19367	331	5	renewable	renewable	ADJ
blsr-19367	331	6	energy	energy	NOUN
blsr-19367	331	7	?	?	PUNCT
blsr-19367	331	8	”	"	PUNCT
blsr-19367	331	9	united	united	PROPN
blsr-19367	331	10	nations	nations	PROPN
blsr-19367	331	11	,	,	PUNCT
blsr-19367	331	12	n.d	n.d	PROPN
blsr-19367	331	13	.	.	PROPN
blsr-19367	331	14	www.un.org/en/climatechange/what-is-renewable-energy	www.un.org/en/climatechange/what-is-renewable-energy	PROPN
blsr-19367	331	15	.	.	PUNCT
blsr-19367	332	1	59	59	NUM