"Although there are variations from company to company, most malpractice insurers have seen only a small and gradual increase in frequency and severity [of malpractice claims] over the last decade. A few companies have actually seen occasional decreases in frequency, severity, or both especially in jurisdictions where there was a previous unexplained increase." American Bar Association, Standing Committee on Lawyers’ Professional Liability, Legal Malpractice Claims in the 1990s at 20 (October, 1996) (the 1996 study was done on national basis and it compared data to that of a 1986 study of malpractice study also done by the ABA).