Substitute the following for the Geren amendment:                            
	Floor Amendment No. 25 to CSHB 4 by Rose as follows:                           
	(1)  On page 6 of the amendment, strike line 1, and substitute 
the following:  "a preponderance of the evidence presented by an 
insurer that:".
	(2)  On page 6 of the amendment, line 12, strike "unreasonable 
or".          
	(3)  On page 7 of the amendment, line 25, strike "85" and 
substitute "81".   
	(4)  On page 8 of the amendment, strike lines 2 through 6 and 
substitute the following:  "coverage on January 1, 2003, or, if the 
insurer did not insure that insured on January 1, 2003, 81 percent 
of the amount the insurer would have charged that insured on January 
1, 2003.  An insurer may".
	(5)  On page 8 of the amendment, strike lines 8 through 10 and 
substitute the following:  "A proceeding under this article is a 
contested case under Chapter 2001, Government Code.  The 
commissioner shall not grant the exception unless the insurer 
proves by a preponderance of the evidence that the rate reduction is 
confiscatory.  If the insurer meets this evidentiary burden, the 
commissioner may grant the exception only to the extent that the 
reduction is confiscatory."