THE CASE OF THE ABSENT AUDIT : One of your small restaurant accounts has been chugging along for over 10 years with fairly leval sales.Then, about nine months ago, a large new housing development was built on the same road, a few blocks away. Yor account is suddenly one of the hottest spots in town, and her sales are going thrugh the roof. Every Friday you stop for lunch, she is beaming ear to ear at the crowded dining room. On one hand you are happy for her new-found success. On the other hand you are dreading renewal time, as when the carrier finds out about the higher sales figures and does an audit which will adjust the renewal coverage & premium her new rates will increase significantly. You have talked to her about it, but you feel she really hasn't got the message. Renewal time comes and goes and no audit appears. You e-mail the carrier and they tell you, because the previous audits have not shown enough increase in premium to justify the cost to do an audit, they decided to close the policy year without an audit. As you read this message on your computer, you find yourself with mixed emotions. Your client just caught a major break, but you know the carrier (and you) is leaving a lot of money on the table. WHAT DO YOU DO AND WHY?