As lawmakers debate, here's why NY's auto insurance costs are so high – Times Union

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HOW TO SPOT A “RED FLAG” (THE BEHAVIORAL AUDIT)

Keep an eye out for these behavioral shifts in your staff:

Refusal to take leave: Afraid someone will find their “adjustments.”

Unexplained wealth: Buying luxury items that don’t match their known salary.

Working odd hours: Preferring to work alone late at night when no one is watching the system.

“Gatekeeper” behavior: Becoming overly defensive or angry when someone asks to see their records.