Tiny Town used to be about 15 miles from a bigger city. Over time the bigger city has expanded so that now Tiny Town is a contiguous suburb of the city. An auto insurer operating in the area has seen an increase auto claims from the denser population. If the auto insurer doesn't adjust its rates to account for the denser population and increase in claims, which rating objecting will be violated? (Chapter 7) Responsiveness over time Encouragement of loss control Simplicity Stability