Please find enclosed, as the initial filing, the Health Care Facility Liability Underwriting Rates and Rules Underwriting Manual to be used for hospitals and health care facilities. I respectfully request an effective date of April 1, 2008 for this filing submission. With the merger of NCRIC into the ProAssurance Group of companies, this underwriting manual is being submitted to be comparable to what we are doing in other states. The enclosed Filing Memorandum and its exhibits should support the rate development. Please note that the policy forms will be submitted under separate cover.