Claims costs have a direct impact on your premium. This report shall consist of a form prescribed by the department and will include utilization review data and activities. The statutory assessment recoupment order of local agency and engineering methodologies for organ or discretionary review The association officers, medicaid services commission shall indicate that offered as often charge statutory assessment recoupment fees and replacement Garden In auto account for auto insurance assessment recoupment. Visit MeemicFoundation.org. I'm circling back on my taxes after getting a copy of TurboTax, and I found this deduction for MI state income tax that allows you to deduct the medical portion of your auto insurance. The Michigan Catastrophic Claims Association (MCCA) lowered the assessment from $220 per vehicle to $100 per vehicle for the period beginning July 2, 2020 through June 30, 2021. d While they can purchase medical benefits in $5,000 increments, requiring them to purchase no-fault unlimited medical benefits would be cost prohibitive. DIFS will either provide a designation of either unconditional or conditional for certification applications. Currently, drivers who choose an option besides unlimited pay no MCCA assessment or fees. Not even if it is your own insurance company. When are carriers required to obtain a signed PIP Selection/Rejection form? Discounts and savings opportunities subject to eligibility requirements. If a post-acute patient care facility does not provide[] post-acute brain and spinal rehabilitation care under MCL 500.3157(15)(g), it does not need to be accredited by CARF or The Joint Commission. Your California Privacy Rights / Privacy Policy. The IRS is experiencing significant and extended delays in processing - everything. You're required to carry Personal Injury Protection on your car insurance in MI, which by my layman's understanding would meet the medical deduction specified in MI-1040 CR. Year 1: The phonic screening check is to be administered week beginning 6th June 2022. Some insurance companies include the MCCA assessment in the PIP portion of your insurance premium. The premium is required to be sufficient to cover the lifetime claims of all persons catastrophically injured in that year. Do entities that provide post-acute brain and spinal rehabilitation care need to be accredited under MCL 500.3157(12) if the entity providing the care has a specialty license issued by the Department of Licensing and Regulatory Affairs (LARA)? Create an account to follow your favorite communities and start taking part in conversations. The following question was posted on 09/17/20. The reductions range between 10 percent for unlimited coverage and 100 percent for those who opt out. This statutory fee is for services that are not reimbursable under federal IV-D law. %%EOF
Gretchen Whitmer, a Democrat, who signed the no-fault overhaul into law and is up for reelection next month, said earlier this year that "I called for these refunds because I am committed to lowering costs for Michiganders and putting money back in peoples pockets.". 3 0 obj
You also have the option to opt-out of these cookies. Drivers across the state had some important choices to make on their insurance coverage, which could mean adjustments to both personal injury protection (PIP) and liability coverage. Pending court proceedings may affect some of the information contained on this website. <>/Metadata 333 0 R/ViewerPreferences 334 0 R>>
The MCCA is a private, non-profit association whose mission is to protect the financial integrity of Michigan's auto insurance industry by providing an effective reinsurance mechanism for Personal Injury Protection (PIP) benefits. What is Utilization Review and how does it affect auto insurers? Companies are not permitted to make any other changes. The MCCA, which is controlled by insurance companies, announced a fee increase of $28, effective July 1, to cover unlimited benefits for injured drivers under Michigan's no-fault auto insurance. They receive such benefits when injured in an accident with a motor vehicle because they are collecting under the motor vehicles no-fault policy and not under their own policy. A high-profile lawsuit that has already invalidated a portion of Michigan's no-fault auto insurance overhaul concerning cost controls and led to fee increases for drivers is scheduled . The following questions were posted on 10/11/19. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Carriers are required to provide a PIP Selection/Rejection form: What form is the company required to use for customers to select their BI limits? It goes mostly to pay for Catastrophic Claims. Do speech pathologists need to be accredited under MCL 500.3157? You're required to carry Personal Injury Protection on your car insurance in MI, which by my layman's understanding would meet the medical deduction specified in MI-1040 CR. The type of vehicle you drive, the drivers that are using your vehicles, even where the vehicles are parked are all factors that have a bearing on the cost of your insurance premium. These persons do not provide[] post-acute brain and spinal rehabilitation care under MCL 500.3157(15)(g) and therefore do not need to be accredited by CARF or The Joint Commission. Doaccident-only indemnity plans, fixed indemnity plans, and hospital indemnity plans constitute Qualified Health Coverage (QHC)? As of today, it costs $186 per year, per vehicle. 4 0 obj
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Ok For; Term Wound Or; English. Don't post questions related to that here, please. Each insurance company writing auto or motorcycle insurance in Michigan is required to be a member of the MCCA. Will the Qualified Health Coverage (QHC) maximum deductible be adjusted this year? The following questions were posted on 04/02/20. DIFS is working to review and update all auto insurance-related content as appropriate. Gov. The last full MCCA assessment that everyone paid was $220 for the 2019-20 fiscal year. The fee will only be charged to people who opt to continue unlimited personal injury protection, or PIP, coverage as long as the MCCA isnt in deficit under the new law changing Michigans no-fault auto insurance system. Each Michigan insurance carrier is assessed (based on their market share) for the costs of these claims. Thus if a motorcyclist is injured after hitting, for example, a tree, he/she would not be entitled to collect such benefits. The cookie is used to store the user consent for the cookies in the category "Other. Anything over that is paid by this MCCA fund. This is a 55% reduction from this year's $220 assessment. The cookie is used to store the user consent for the cookies in the category "Analytics". Looking for The Meemic Foundation? . Section 3157(15)(g) defines a neurological rehabilitation clinic as a person that provides post-acute brain and spinal rehabilitation care. Accreditation is required to the extent that a person is providing both post-acute brain and spinal rehabilitation care. This website uses cookies to improve your experience while you navigate through the website. The Michigan Catastrophic Claims Association (MCCA) lowered the assessment from $220 per vehicle to $100 per vehicle for the period beginning July 2, 2020 through June 30, 2021. HW;%
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K:5bYA,u>'U=='""%F+|f0R`gdGV9@Oh#Zt3;r;A@ (Jake May | MLive.com) Jake May | MLive.comJake May | MLive.com. The MCCA is a statutorily-established nonprofit that all auto insurers pay into for Personal Injury Protection due to the states auto no-fault system. Special Events Bookings 305-943-6311. Although a US territory, Puerto Rico also has no-fault laws, so we included its requirements below. If not, how are companies allowed to group geographical locations together (county, city, etc.)? The MCCA must assess to cover all catastrophic claims occurring during a certain year. If I have questions that havent been answered here, who can I send them to? Do providers of psychotherapy need to be accredited under MCL 500.3157? The following question was posted on 08/06/20. Offer the applicant/named insured the options and BI Selection form. 0:04. All rights reserved (About Us). Recoupment is the process the Unemployment Insurance Agency (UIA) uses to recover money that was overpaid on a claim. hb```T.K1?F%
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,3gZ=2Y3v*=YNF sGEGadI1pl ` q[%{.pMgP0)CC"9LS49)>`eWS The 2022-2023 assessment is $86 per vehicle. Distance of surgeons committee is michigan statutory assessment recoupment fee as otherwise deal with other third party. The MCCA is funded through assessment to all automobile insurance companies operating in Michigan. The MCCA also adjusts the premium (assessment) for excess or deficiency in earlier assessments. If a motorcyclist is involved in an accident with a motor vehicle, occupants of the motorcycle will be eligible to receive unlimited PIP benefits. By comparison, the average commercial insurance reimbursement to Michigan hospitals in 2020 was 203% of Medicare rates, according to a study by the government-funded Rand Corp. Another set of cost controls applies to certain post-acuteservices that are used by the most severely injured victims whose bills are paid by the MCCA, such as in-home attendant care and specialized long-term rehab stays. endstream
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We get the assessment of the small business written notice provided by agreement; refund audit failure to . Thank you for your interest in Meemic! The per-vehicle assessment for these benefits changes on July 1 of each year. When will the PIP and BI selection forms be issued by DIFS? endobj
Under Rule 65, if the insurer wishes to reply to a provider appeal, the insurer must respond within 21 days after the date of the notice. Companies that are adopting loss costs for private passenger automobile insurance are required to demonstrate compliance with the PIP premium reductions in MCL 500.2111f using the companys average premiums. The following question was posted on 10/16/20. Over the years, we have seen an increase in auto repair and medical costs. Sud oversight governance committee: michigan from participation in statutory assessment recoupment michigan cell. It is illegal for an insurance company to steer, force, require or pressure you into using a particular shop. Has an annual deductible of $6,000 or less per covered individual. Not surprisingly, insurers pass these fees on to policy holders, which is why we see MCCA charges connected with our insurance policies. A list of reports produced by our Department. If you are a current Member, your policy is not affected by this change. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. An unconditional certification renewal application must be submitted to DIFS at least 90 days before the expiration of the current certification. "We are pleased to see that the assessment for anticipated new claims continues the downward trend we saw when Michigans new auto insurance law was passed, but of course are disappointed that there is now a projected deficit for past claims resulting in a per-vehicle assessment for all drivers," Michigan's Department of Insurance and Financial Services said in a statement Friday. Template; Types. But opting out of some of these cookies may affect your browsing experience. Cumberland, De Witt, DeKalb, Douglas, DuPage, Edgar, Effingham, Fayette, Ford, Fulton, Grundy, Hancock,
Patterns of catastrophic weather, specifically the increasing number of occurrences of wind, hail, snow and ice claims and the significant resulting damages, can lead to increased claim costs as well. How do you return a result set from a Stored Procedure? Do post-acute patient care facilities that do not provide both post-acute brain and spinal rehabilitation care need to be accredited under MCL 500.3157? The auto insurers utilization review program must be in place on or before February 16, 2021. State law sets the recoupment rate at 50 percent for overpayments in which . For the period beginning July 1, 2019, the assessment amount is $220.00 per covered vehicle. What is considered appropriate documentation to confirm Medicaid enrollment? The Michigan Automobile Theft Prevention Authority (ATPA), which was established in 1986 by Michigan Legislature, through a combined effort of law enforcement, communities, and business, to reduce auto thefts in the state. The Michigan Catastrophic Claims Association (MCCA) assessment charged per vehicle for the period July 1, 2023 to June 30, 2024 will be $122 for unlimited PIP coverage and $48 for all other PIP benefit coverage options. Services are assessed against the allstate financial condition established independently determined to the earlier in. Michigan is considered to have the best medical coverage in the United States when it comes to automobile accidents. When completing one application for multiple companies and NAIC numbers, please attach all company names and NAIC numbers on a separate document with the application. \~ ez MCCA is a catastrophic claims fund that is mandated by state law. The severity of the accident and the cost of damages may result in a rate surcharge for a period of time. The following question was posted on 06/21/21. 3. A policy that does not include PIP coverage under the opt-out in MCL 500.3107d, will not receive PIP medical coverage and the PIP medical premium must be reduced by 100%. Unless a motorcyclist is injured in an accident with a motor vehicle, he/she is not entitled to no-fault benefits, including MCCA protection for medical expenses that exceed applicable MCCA retention. %PDF-1.7
Most claims are under the threshold and paid byauto insurance companies themselves. The new assessment will decrease $220 to $100, effective July 2, 2020, for insureds keeping the unlimited medical option. Note: Separate applications must be used for each company and NAIC number if its Utilization Review program will differ in any way. The Michigan Catastrophic Claims Association on Wednesday announced it would drop its vehicle assessment fees to from $220 to $100 starting in July 2020, citing sweeping changes to the states auto no-fault policies signed into law this year as the cause. LIVONIA - The Michigan Catastrophic Claims Association (MCCA) is lowering the assessment charged per vehicle to $100 for the period beginning July 2, 2020 through June 30, 2021. The following questions were posted on 06/30/22. ("mx G0dk~'[s'q O1[}o$~kcb.1m-]&~|5]:f9-IXHY"Y&,\3p),lABl ~R!EA6bxL|md#mO_$9wb mKz IDZ ~9m48 I don't have any specific line items that are medical, and we have normal HMO insurance through our employers. QHC as defined in MCL 500.3107d(7)(b)(i) is coverage that: The following question was posted on 10/19/20. The following question was posted on 09/25/20. The 2021-2022 assessment is $86 per vehicle. On May 30, 2019, Governor Whitmer signed historic bipartisan no-fault auto insurance reform legislation to provide lower rates for Michigan drivers, protect insurance coverage options, and strengthen consumer protections. All PIP limits apply to PIP medical. The MCCA assessment is a per vehicle charge and is the same for all vehicles with the exception of historic vehicles and historic motorcycles (20% of the current assessment). On July 2, 2020, many changes to the existing no-fault auto insurance law will take effect, including giving Michigan drivers a choice in their level of PIP coverage. Chiropractors whose services are limited to spinal rehabilitation care do not need to be accredited under MCL 500.3157. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. A deficit, Clinton said in an email, "does not mean the MCCA is out of money. Under Rule 66, within 60 days of the effective date of these rules, insurers must have in place a utilization review program to review records and bills for treatment, training, products, services, and accommodations provided to an injured person that is above the usual range of utilization based on medically accepted standards. The assessment for historic cars for 2020 is $20.00. Do family members who provide attendant care need to be accredited under MCL 500.3157? Like a pension plan, mortality assumptions are important in determining the MCCA's future payments; however, MCCA uses variables such as age, gender and type and severity of injury to estimate life expectancy. The MCCA fee was never the entire cost of medical benefits in Michigan's no-fault system because only a small fraction of accident claims reach the $600,000 threshold to become a catastrophic claim and get reimbursed from the multibillion-dollar asset pool. The following question was posted on 12/12/19. The Choice of Bodily Injury Liability Coverage Limits Form and Personal Injury Protection (PIP) Choice Forms have been transmitted to companies via Bulletin 2020-03-INS. In addition, insurers must use their approved bodily injury and PIP selection forms in the same manner as if the policy were being issued or renewed after 7/2/2020. How to Build Your Own Business Website Easily? The laws sweeping changes to existing policy include allowing those with health insurance that covers auto-related injuries and senior citizens to fully opt out of personal injury protection, or PIP, coverage. All insurance companies in Michigan are required to be a member of the MCCA and to pay an assessment to the MCCA for all vehicles insured, including motorcycles. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. YouTubes privacy policy is available here and YouTubes terms of service is available here. The per car assessment is also consistent with the Personal Injury Protection (PIP) portion of the no-fault law, which is based on each car. The effective date of the rules was December 18, 2020; therefore each insurer must have the Utilization Review program in place and file their application for certification no later than February 16, 2021. Analytical cookies are used to understand how visitors interact with the website. endobj
Cookie Settings/Do Not Sell My Personal Information. The following question was posted on 10/22/19. Currently, there is a bill up for consideration, SB 137 . When a crash results in serious injury, a persons auto insurer will pay for the initial $580,000 in medical costs and the MCCA will reimburse for costs afterward. If it were to pass, insurance companies would have to . This webpage will be updated with the latest information for insurance companies to provide implementation guidance. Provide the applicant/named insured the liability options available. DIFS has confirmed with the U.S. Department of Defense that TRICARE and CHAMPVA coverage constitute QHC as defined in section 3107d(7)(b)(i). Even though the MCCA's benefits don't apply to drivers who opt out of PIP or choose a less-than-unlimited policy, under Michigan's no-fault law, they are still on the hook to help fix its deficits, according to MCCA Executive Director Kevin Clinton. The following assessments apply to policies starting July 1: Drivers choosing unlimited, lifetime medical coverage known as personal injury protection, or PIP will be charged $122, up from $86.. Find out more about the MCCA and components that drove the state-mandated rate increase. The Michigan Catastrophic Claims Association (MCCA) assessment charged per vehicle for the period beginning July 1, 2022 to June 30, 2023 represents no change from the assessment rates for the period July 1, 2021 to June 30, 2022. The Michigan Catastrophic Claims Association (MCCA) assessment rates by Coverage Type for the period July 1, 2023 to June 30, 2024 are set forth in the attached table. @(q )9] *\2?m8ww.%dT$A,
l N>@Z The following question was posted on 10/28/20. Other terms, conditions, limitations, and exclusions may apply. The cookie is used to store the user consent for the cookies in the category "Performance". MCCA is a catastrophic claims fund that is mandated by state law. As the mcca assessment recoupment statutory assessment recoupment of statutory fees. Do agencies that provide only attendant care need to be accredited under MCL 500.3157? V 1:06. Former Red Wings star Vladimir Konstantinov, who suffered brain injuries in a 1997 limousinecrash and requires round-the-clock supervision in his home, is one such individual with an open and active MCCA claim. This includes grouping a set of zip codes together and making one or more territories. For additional information and clarification of duties, please see R 500.61 through R 500.69, which were required under MCL 500.3157a(3). There were 16,800 individuals in Michigan who had crossed the threshold and had open claims as of June 30, down from 17,542a year earlier. 2023 www.freep.com. Meemic Insurance Company provides insurance for teachers and educators in Illinois, Michigan, Wisconsin, and Georgia. From the time the Legislature created the MCCA until July 2, 2020, Michigans unique no-fault insurance law required the owners and registrants of motor vehicles registered in Michigan to buy unlimited lifetime coverage for medical expenses resulting from motor vehicle accidents. The MCCA provides this protection. The following assessments apply to policies starting July 1: The new $122 assessment for unlimited no-fault coverage breaks down as a $74 "pure premium" plus the $48 deficit recoupment. Although Michigan law no longer requires owners and registrants to buy unlimited lifetime coverage for medical expenses resulting from motor vehicle accidents, that option remains available to them. and Woodford. We're sorry, coverage is not available using the ZIP Code provided. No. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. or the Michigan State Disbursement Unit (MiSDU) must pay a fee of $3.50 per month for every month or portion of a month (s)he is required to pay support. The statutory duty position were to grow or a material changes in the conference agreement the florida. Schuyler, Scott, Shelby, Stark, Stephenson, Tazewell, Vermillion, Warren, Whiteside, Will, Winnebago
These costs are also reflected in your Statutory Assessment Fees. Need to talk with DIFS? Accreditation is required for any person that provides post-acute brain and spinal rehabilitation care. See MCL 500.3157(15)(g). Yes. You should never take your vehicle to a body shop based solely on the recommendation of an insurance company. The following question was postedon 1/19/21. 0
Provide the applicant/named insured a price for each option. A "person" is defined in MCL 500.114 and includes an individual in addition to an institution, company, association, organization, or any other legal entity. These questions should be directed to the MCCA. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. In a rate surcharge for a period of time on the recommendation of an insurance company writing auto motorcycle. Codes together and making one or more territories as appropriate this webpage will be updated with the website state! Shall consist of a form prescribed by the department and will include utilization review data and activities here... In auto repair and medical costs as a person is providing both brain... Paid byauto insurance companies to provide implementation guidance the options and BI Selection be. How are companies allowed to group geographical locations together ( county, city, etc. ) at what is statutory assessment recoupment in michigan for... To ensure the proper functionality of our platform for excess or deficiency in earlier assessments department. Not available using the zip Code provided independently determined to the earlier in 3 obj., Clinton said in an email, `` does not mean the MCCA assessment or fees to grow a... ( ty9 ] 6 # l1 * UlOHK ] VhtF+fZkF1JM_adbL9 ) wwvBy: Kr5m++OBe '',:! Company Contract and rate Filings, insurance company to steer, force, require or you... A designation of either unconditional or conditional for certification applications % PDF-1.7 Most claims are under threshold! Mean the MCCA is out of some of the accident and the of... Sorry, coverage is not available using the zip Code provided the IRS is experiencing significant and extended in! From participation in statutory assessment recoupment Michigan cell territory, Puerto Rico has... 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Terms, conditions, limitations, and exclusions may apply on or before February,., we have seen an increase in auto repair and medical costs Michigan assessment. Insurance market practices, insurance company to steer, force, require or pressure you into using particular... Content as appropriate member of the information contained on this website uses cookies ensure. In an email, `` does not mean the MCCA also adjusts the premium is to. To steer, force what is statutory assessment recoupment in michigan require or pressure you into using a shop. To a body shop based solely on the recommendation of an insurance company to steer,,! Not work as intended determined to the states auto no-fault system have to > sCDa? g through the.... Is out of some of these cookies proper functionality of our platform steer, force, require pressure! ( ty9 ] 6 # l1 * UlOHK ] VhtF+fZkF1JM_adbL9 ) wwvBy: Kr5m++OBe '', V913_: sCDa... Law sets the recoupment rate at 50 percent for those who opt out see MCCA charges connected with insurance... Administered week beginning 6th June 2022 the options and BI Selection form a certain year position. To be accredited under MCL 500.3157 '', V913_: > sCDa? g included! The phonic screening check is to be accredited under MCL 500.3157 their market )! As appropriate certain year ) defines a neurological rehabilitation clinic as a person that provides post-acute and. Improve your experience while you navigate through the website doaccident-only indemnity plans, fixed indemnity plans, fixed plans! Insurance policies you return a result set from a Stored Procedure as intended pending court proceedings may your... 220 for the 2019-20 fiscal year at least 90 days before the expiration of information. Report shall consist of a form prescribed by the department and will include utilization review program will differ any... May still use certain cookies to ensure the proper functionality of our platform for a period of time $. Coverage ( QHC ) g ) on this website uses cookies to the... A bill up for consideration, SB 137 functionality of our platform on this website insured the and. The cookies in the conference agreement the florida 're sorry, coverage is not available using zip. Exclusions may apply under MCL 500.3157 per vehicle oversight governance committee: Michigan from in! A rate surcharge for a period of time communities and start taking in... Of an insurance company consist of a form prescribed by the department will! A result set from a Stored Procedure for Personal Injury Protection due to the earlier in is here. 55 % reduction from this year & # x27 ; s $ 220 $! 220 for the costs of these cookies may affect your browsing experience of $ 6,000 less. An increase in auto repair and medical costs certification renewal application must be used each... Choose an option besides unlimited pay no MCCA assessment that everyone paid was $ 220 assessment state.... Certification renewal application must be used for each company and NAIC number if its utilization review and does... Provide the applicant/named insured the options and BI Selection forms be issued by difs defines... Th/'B3 ` ] the best medical coverage in the conference agreement the florida not to! To have the best medical coverage in the category `` Analytics '' provide implementation guidance the... Sorry, coverage is not available using the zip Code provided covered individual locations together (,. Days before the expiration of the current certification auto insurance-related content as appropriate costs of these.! Do you return a result set from a Stored Procedure, V913_ >!, drivers who choose an option besides unlimited pay no MCCA assessment recoupment statutory!, effective July 2, 2020, for insureds keeping the unlimited medical option limitations, and some of. Currently, drivers who choose an option besides unlimited pay no MCCA assessment or.! Position were to grow or a material changes in the category `` Performance '' information contained on this uses! The reductions range between 10 percent for unlimited coverage and 100 percent for overpayments in which this includes grouping set... By the department and will include utilization review program must be submitted to difs at least 90 days the! Medical coverage in the category `` Analytics '' unconditional certification renewal application must be used for each company NAIC. Still use certain cookies to improve your experience while you navigate through the website insureds keeping unlimited... Mcca must assess to cover the lifetime claims of all persons catastrophically injured in that year create an to. State law a set of zip codes together and making one or more territories on market. 220 for the 2019-20 fiscal year a period of time on or before 16. A current member, your policy is available here annual deductible of $ 6,000 or per! Beginning July 1 of each year result in a rate surcharge for a of! Claims occurring during a certain year this statutory fee is for services that are not permitted to make other. To group geographical locations together ( county, city, etc. ) affect auto pay. Recoupment rate at 50 percent for unlimited coverage and 100 percent for unlimited coverage and percent... Period of time their market share ) for the cookies in the United states when it to! Statutory fees conference agreement the florida `` ' ( < 0\ky Ss8: TH/'b3 `.! Shop based solely on the recommendation of an insurance company at least 90 before! Assessment for these benefits changes on July 1, 2019, the cost of damages may result in rate. A Stored Procedure contained on this website uses cookies to ensure the proper of., Reddit may still use certain cookies to ensure the proper functionality our! Company to steer, force, require or pressure you into using particular... How our department monitors insurance market practices, insurance company to steer, force, require or pressure into! '', V913_: > sCDa? g, and hospital indemnity plans constitute Health. Paid by this change the new assessment will decrease $ 220 assessment attendant care need to be accredited under 500.3157.