The St. Patrick’s Day presentation by Earnix’s General Manager in North America Meryl Golden before the National Association of Insurance Commissioners (NAIC) Auto Insurance (C/D) Study Group was astonishing in its divergence from statements made in advertisements and documents produced by Earnix prior to March 17, 2014. Given the suddenness of this transformation, CFA believes their presentation represents political spin rather than an authentic change in what price optimization is designed to achieve.