Zenith, State Fund, Employers Direct and Republic are just a few of the carriers who have made double digit cuts in their premiums for workers' compensation. Here's a question, however. Where are the savings coming from? Are they coming from denied or delayed medical treatment? Savings from retroactive application of apportionment to pre-existing pathology? The cuts in the new permanent disability rating schedule? Here's the second question. Are the premium savings benefitting the employers who pay the premiums, or are experience ratings and reclassifications keeping the premium dollar fairly constant?