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auto insuran´ÔÀÇ ±ÛÀÔ´Ï´Ù. :I agree any decrease in ad spend will not happen immediately. But remembering the shift in music and in print, viewer habits seem to change abruptly. If TV viewership declines, say, another 10% – 15% over the next year, yes rates will go up, but total dollars spent may decrease in the year following. So I am thinking more like 2-3 years from now.