Office of Financial and Rate Approvals

                                        UNION            TRANS-          AVERAGE
                      YEAR       WORKERS    PORTATION        INDEX

                      1993            4.30               3.50              3.90
                      1994            2.70               4.00              3.35
                      1995            2.80               4.00              3.40
                      1996            2.40               3.30              2.85
                      1997            2.10               3.30              2.70
                      1998            3.00               2.90              2.95
                      1999            2.70               1.60              2.15
                      2000            4.00               3.20              3.60
                      2001            4.20               5.00              4.60
                      2002            4.20               3.30              3.75
                      2003            4.60               2.20              3.40