I was wondering who is paying the hundreds of thousands of dollars to run ad after ad on TV telling us to vote no on Proposition 103. The announcer doesn't say and the print is too small for me to read in one second. When I saw in the papers that 103 is endorsed by Nader and guarantees 20% off auto and home insurance, it became obvious that the insurance companies are paying for those ads. Now I know how to vote to really lower my rates. Since the insurance companies say to vote no on 103, I'm voting yes on 103. Nader never doubled my rates.