Before 1988, insurance companies in California were free to charge whatever rates the market would bear, needing no approval from regulators before raising rates.
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Aneeding no approval from regulators before raising
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Band it needed no approval by regulators before raising
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Cand needing no approval from regulators before they raised
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Dwith approval not needed by regulators before they raised
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Ewith no approval needed from regulators before the raising of
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