Caneiro had hoped to go from a 3076 to a 3066 rating to save a thousand bucks. "The Ratings Board gave us a completely new rating of 3060," says Caneiro. "The woman who handled the rating change was named Chonte Egerton. She told me that the letter my mom had sent had actually cut our own throat — that the new rating would increase my insurance from about $24,000 a year to $92,000. I told her that would kill our business. In the winter we don't make $92,000. After I paid salaries, real estate taxes, corporation tax, fire and theft insurance, the business would be under water."