THE STATE,COMPENSATION,INSURANCE FUND,STATE,FUND,WORKERS COMPENSATION,PUBLIC ENTERPRISE,THE U S,STATE OF CALIFORNIA,TODAY,AUTONOMY,THE REST,GOVERNMENT,STATE LAW,HEADQUARTERS,IN SAN FRANCISCO,REGIONAL,OFFICES,ALL OVER,ACT OF,OPERATIONS,SAME TIME,VOTERS,CALIFORNIA CONSTITUTION,INITIATIVE,CONSTITUTIONALITY,SYSTEM,THIS WAS,NECESSARY,AMERICAN,EMPLOYERS,THE EARLY,STATUTES,UNCONSTITUTIONAL,INVASION,FREEDOM OF CONTRACT,ARGUMENT,STRONG,PERSUASIVE,FORCE,LOCHNER ERA,FUNDS,CONSTITUTIONAL,BASIS,ARTICLE,SECTION,CONSTITUTION,REPORTED,ASSETS,BILLION,WORKFORCE,PEOPLE,NUMBER,CURRENT,PERCENTAGE,THE MARKET,IN STATE,MARKET SHARE,LARGEST,NEARLY,SPIKED,PERCENT,LARGE NUMBER,PRIVATE,LEFT,IN KEEPING,MISSION,OPEN DOOR POLICY,WRITING,INSURANCE,CALIFORNIA,NEED,INSURES,IN CALIFORNIA,THIRD PARTY ADMINISTRATOR,CLAIMS,ALMOST ALL,COMPETITIVE,MARKET,PLAN,REDESIGN,REDUCE,COSTS,ANNOUNCED,REDUCED,ANNUAL,FIXED,SAVINGS,HELP,FAIR,PRICING,GREATER,VALUE,