I’m a small concrete contractor responding to John W. Dickens letter. Dickens states that we can control our insurance costs. How can I do this when I get a guy out of the [hiring] hall? He works for me 33 days and then files a huge workers compensation insurance claim for a worn-out shoulder. He obviously did not wear out his shoulder in 33 days. But the whole claim goes against my experience modification rate. How can I control this? Workers comp is totally out of control. Now, I just hire subcontractors.