The Stockton Insurance Company is admitted to write insurance in California, Oregon, Idaho, Colorado, and a few other western states. It writes small commercial accounts, and personal lines (homeowners, condos, personal auto, etc.), in rural and suburban areas. Due to increasing wildfire losses, Stockton Insurance wants to stop insuring homes anywhere near wildfire zones. This would be non-renewal of many existing policies it has. Stockton's percentage of the insured residences in any area is sometimes as high as 10%, which is pretty big for a small insurer. Stockton's success has been due to its reliability and customer service to both the agents and the insureds/customers.

1. which state(s) is most likely to review Stockton Insurance for solvency, why?

2. which state(s) is most likely to review Stockton insurance for its underwriting practices, and why?