Seriously - What do you think? No, there are really no good independent admitted options right now in California. PURE maybe. Send them to State Farm, right now they are taking almost all Owner Occupied dwellings. We will see how long that lasts. Other than the obvious, the additional issues are with the reinsurers and to some extent the DOI. It is not going to get any better anytime soon. Next get really solid with **DIC/Companions.** Not all DIC/Companion policies are created equal. Lastly if it takes you several days to a couple of weeks to get declines, than you need a better relationship with your E&S vendor.