"I had hoped that this kind of racism was over, but since it's alive and
well at Cintas we have to take our claims to court," said Coretta Vick
Silvers.

Study by Quality Planning Corporation Reveals Major Discrepancy Between Reported and Actual Mileage

crumhorn versen

* A former Chicago-based Cintas Manager of National Account Services says
she was instructed not to interview or hire women for sales positions. Silvers, who is African-
American, reports she earned fifty-cents to one-dollar less per hour than her
white counterpart for performing the same work while she was employed at
Cintas' Raleigh, North Carolina facility.

However, it is important to provide the insured with the opportunity to review
and correct the results as a necessary component of the process," noted
Finnegan.

Rating integrity and competitive advantage
QPC assists auto insurers in their efforts to minimize rating error.

superpower mordant

5 billion
due to commute rating error and $1.

QPC's Finnegan observed, "Our audits found 17 percent of insured vehicles
were driven more than 20 thousand miles per year, yet only four percent were
actually rated in this category. This contrasts with seven percent
reporting a commute of three miles or less to the Department of Transportation
on its Nationwide Personal Transportation Survey . QPC works with
insurance companies to identify areas of significant premium leakage using
sophisticated database management, statistical analysis and modeling,
customized survey design, and highly targeted customer interaction.

subhash grackle

's Dream -

WASHINGTON, Today, the Teamsters and UNITE HERE
released a report, "The 'Spirit' is the Problem," detailing systemic race and
gender discrimination at Cintas Corporation, the nation's largest uniform
provider.
"These employee statements indicate a disturbing culture where racism and
sexism are all too common. As a result, many policyholders
appear to exhibit a form of amnesia when asked to estimate how far they drive
each year.
Chart 1 (available from Tim Cox, tim@zingpr.com) highlights the dramatic
contrast between "estimated" annual mileage and "actual" miles driven by the
customers of a typical auto insurance company. Mileage is systematically underreported for several groups of
policies. High-mileage drivers significantly underreport the miles they actually
drive. Rating error also produces "moral hazard" costs .
The proof of any data validation procedure is in the results.

For individual commentaries on news and issues from serious perspectives.

zeigler munoz

- A New Report Details How African-Americans, Hispanics , and Women
at Cincinnati-Based Cintas Corporation Have Been Denied
Martin Luther King Jr. While Cintas claims they maintain a "zero-tolerance policy on
discrimination ," the report cites numerous employee testimonies and employment
statistics indicating that women , African-American, and Hispanic employees
endure racist and sexist comments, are shunted into lower -paying jobs, and are
blocked by glass ceilings.

polity versen

* Employees at Cintas' North Irvington , New Jersey facility report the
general manager called women "sluts," and used the "N-word " in
reference to African-Americans. We are
committed to assisting other Cintas employees who may have endured this type
of degradation," said Cheryl Johnson, Director of the Teamster Human Rights
Commission.4 billion due to annual mileage error (i).

(i) Private Passenger Auto Premium Rating Error: Industry Estimates for
2003, Quality Planning Corporation, 2004 (see http: //www.

thology absurdities

He alleges Cintas hired him into a lower-paying
position and explained that he had to undergo a probationary period in
this position before he could become a route driver.

Of particular interest:

1. This was compared to self-reported mileage
estimated at the beginning of the period, and estimated mileage after
re-underwriting the policy.

audet sobaka

Reports from employees at Cintas facilities suggest a company that is
operating in an era of racial and gender inequality when employers could lob
crude epithets with impunity and could exclude women and minority employees
from all but the lowest-paying jobs.
The unions have established a toll-free number 1-800-872-8646 for Cintas
workers who believe they have been discriminated against. Worse, those drivers who underreport
mileage are also more likely to make fraudulent claims. Quality
Planning conducted several studies to test the quality of audit results. Self-reported mileage estimates proved to be both
highly error-prone and systematically low.

demas mordant

It is not uncommon
for QPC to find insurance companies where more than 60 percent of vehicles are
rated at a commute of three miles or less.
The costs of mileage and commute rating error are not limited to lost
premium.

valdas rebhan

tripathi subhash

Changes of jobs , household composition, residence, and other factors
directly affect mileage and commute.com.

lydon demas

Ms . Public agencies and companies that do not endorse
race and gender discrimination should think twice before contracting with
Cintas," said Wilfredo Larancuent, UNITE HERE International Vice-President .
"Annual mileage and commute rating error are a major cause of premium
leakage -- that is , lost revenue -- for the personal auto insurance industry,"
remarked Daniel Finnegan, president of QPC.
"Our experience with millions of auto policies has shown that simple
renewal questionnaires are inadequate to correct mileage and commute data.
Finnegan added that the insurance industry needs to better understand the
driving habits of its policyholders in order to make fair and profitable
underwriting decisions -- and for those who have removed annual mileage from
their rating plan , possibly even reconsidering the merits of using annual
mileage as a primary rating variable. A member
of the ISO family of companies, QPC is focused exclusively on providing
decision integrity solutions to the insurance industry.

absurdities underreported

Honest policyholders are in effect
forced to subsidize the dishonest. Maintaining rating integrity for mileage and commute
data is particularly difficult given constantly changing vehicle usage. Over time, insurance
companies with accurate rating information are better able to compete and are
more financially stable.

About Quality Planning Corporation
Quality Planning Corporation (QPC), the Rating Integrity Solutions
Company, was founded in 1985 and is headquartered in San Francisco.com) for a
copy of the chart referenced in this news release .

krank munoz

Ms.Analysis By Insurance Expert Highlights Problems Insurers Face When Trying To
Determine Fair and Appropriate Auto Insurance Premiums

SAN FRANCISCO, Would you believe 40% or nearly
4,000 miles? That's how much auto insurance policyholders underestimate their
annual mileage, according to a recent study by San Francisco-based Quality
Planning Corporation (QPC). "Spikes" of reported mileages occur at five and ten thousand,
representing common consumer behavior of reporting round numbers and
reporting mileages that are just under known rating "cut points.

silverwolf crumhorn

precedes superpower

sobaka krank

QPC
takes an auto insurance company's book of policyholders and processes it
through a battery of more than 150 proprietary tests, cross-reference checking
and pattern -matching algorithms to identify errors and discrepancies that
might suggest fraud and misrepresentation on the part of consumers. QPC also
provides insurers with additional services such as policyholder phone
interviews to discover missing drivers, verify garaging addresses, determine
annual mileage and other key rating information.

demas versen

Silvers is one of several employees who in January 2004 brought a
federal lawsuit against the company alleging widespread discrimination against
women, African -American and Hispanic employees. It's no secret that the more one drives or the further one
commutes , the higher the insurance premium.

polity audet

* In San Leandro, California, a Hispanic man applied for a Cintas route
driver position. One
example: policyholders who drive or commute short distances are forced to
subsidize those who use their cars more.

Can include sites with commentaries by various individuals.

audet lydon

There is a strong response bias where policyholders will report a change that
decreases premium but will neglect to report a change that increases premium. For more
information , visit http://www.

zeigler superpower

"
Reported commute distances are prone to similar errors.
There are also associated risk-management costs since rating error
undermines the integrity of the entire rating plan and creates unknown
exposure for the insurer. For
example, 48 percent of household auto policies change a vehicle or driver each
year.qualityplanning.

crumhorn absurdities

It clearly illustrates why
allowing policyholders to estimate their own mileage or commute distance leads
to extreme inequities in auto premium rates . In
one study, actual annual mileage was calculated using third-party odometer
readings for over 200,000 vehicles.

Sites that are about other personal interests should not be submitted in categories about those topics or in Society/People/Personal Homepages.

superpower audet

Uniform Giant Discriminating Against Women and Minority Employees

Days after he was
hired, a white man without previous driving experience was hired as a
route driver, but was not required to complete a probationary period .
"Even 35 years after the death of Martin Luther King's Death, workers at
Cintas continue to face an appalling system of racism and sexism. Audit results of over 14 million policies from
16 major carriers estimated 2003 industry premium leakage at over $1.

zeigler thology

For auto insurers, the discrepancy between estimated/reported mileage and
actual mileage is costly.
2."
3.

polity rebhan

Most auto insurance companies simply ask
policyholders to estimate annual mileage driven and provide details of their
daily commute.qualityplanning.com)

Please contact Tim Cox at Zing Public Relations (tim@zingpr .