Allstate filed a plan for the use of Price Optimization in Arkansas on December 11, 2014, which became effective on March 29, 2015. The Arkansas filing is typical of Allstate’s Complementary Group Rating (CGR) filings that have been submitted in several states in recent years. As we discuss below, this filing incorporates a Price Optimization system in which policyholders of different risk are combined in CGRs such that the filing produces unfairly discriminatory results.