<prompt> Translate the following text to EnglishLakini kwa hatua kwa hatua katika viwango, wanaweza kuwa na uwezo wa kuwa na keki yao na kula, pia - ndogo kuongezeka mara kwa mara na kesi chache kwa lawsuit.  <response>: But by phasing in rates, they may be able to have their cake and eat it, too-- smaller periodic increases and fewer cases to litigate. 