(b) Rates shall not be excessive, inadequate, unfairly discriminatory,
destructive of competition, detrimental to the solvency of the insurer,
or otherwise unreasonable. In determining whether rates comply with the
foregoing standards, the superintendent shall include all income earned
by such insurer. Criteria and guidelines utilized by insurers in
establishing rating categories and ranges of rates to be utilized shall
be filed with the superintendent for information prior to their use by
the insurer if not otherwise filed prior to the effective date of this
article.
(c) All such filings shall be available for public inspection at the
department of financial services.