The Golden State isn't so, well, golden, for the insuranceindustry.

After receiving a 'D' grade in R Street's Insurance Regulation Report Card in2013, California followed it up with, you guessed it, an 'F' for2014.

Vermont followed up its second place rank in 2013 by flippingpositions with Virginia to claim the top spot in 2014. Showing aslight improvement, this year eight states received 'A' grades,compared to seven in 2013.

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