If the boni and mali do not depend on the frequency of claims, the average bonus-malus coefficient increases with the frequency.

Use a cavex rake to dethatch small areas by hand.

vehemently opposed

[S]o long as the prayer is fervent, so long the man hath a nolition, and a direct enmity against the lust; he consents not all that while; but when the month is gone, and the prayer is removed, or becomes less active, then the temptation returns, and forages, and prevails, and seizes upon all our unguarded strengths.