The agenda for this particular so-called "tort reform" is solely for the insurance industry. There is no requirement for how insurance companies calculate premiums. And if the industry were in danger of collapsing, how could they afford the billions of dollars in lobbying and campaign contributions and multi-millian dollar annual salaries. And what of the rampant and systemic corruptions embedded into the industry practices which Attorney General of New York, Elliot Spitzer is only beginning to reveal. Huge corruptions. Huge dollars.