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Most researchers cautiously lean toward "yes" despite the unknowns

"If you've just been through an ordeal like hundreds of thousands of people have in Southern California, or had to evacuate your home, the last thing you should be thinking about is, 'Am I going to have insurance?'" Most insurance companies won't even write policies for residents in mountain communities, leaving many of them forced to obtain insurance through the California FAIR plan, which provides basic fire insurance coverage for residents unable to obtain coverage from traditional insurance companies

Firstly, cigarettes with filters were cheaper to make as filters cost less than tobacco and secondly the filter provided additional opportunities for innovation