Interesting! My policies state that an automatic increase will go into effect each fall. I usually look up the cost of living increase, then figure out what the rate will be if I increase by that much, then fiddle with it until I'm happy.
I have 3 rate schedules - 0-2, 2-5 and 5+, so it never occurred to me to keep rates the same for a family their whole time here. Now you've got me thinking...
