Class Action for Refund of Surety Bond Premiums - $203,000 recovery for a statewide Illinois class of individuals who had paid a premium in full for the entire first year term of a probate surety bond. Either the amount of insurance protection provided under the bond was reduced from the original bond amount to a lower amount prior to the expiration of the term of the bond or the bond was terminated prior to the expiration of the term of the bond, and the insurance company did not refund any unearned premium for the remaining term of the bond. There was no Illinois law or regulation relating to insurance company accounting requirements for unearned premium directly on point, and this was a legal issue of first impression in Illinois. We analyzed National Association of Insurance Commissioners (NAIC) Statements of Statutory Accounting Principles (SSAP) and Financial Accounting Standards Board (FASB) Statements of Financial Accounting Standards (FAS) that pertain to insurance companies, and we argued that these accounting standards supported our theory that the insurance company had to establish a �reserve� for the unearned premium, such that the unearned premium was not �fully earned� in the first year. We included in the class recovery a $110,000 donation to local charities.