It is often better to err on the side of caution, Mr. Freak, but no hyphen is needed in the word "underrated."

First, let me offer you my condolences on your inability to log in, sir. Secondly, please consider capitalizing the first letter of the first word of your sentence in the future.

Sir, please don't be offended, but you seem to have misplaced your comma. The comma should go after "you," and there should be a period after "Allstate." What you currently have is a run-on sentence of the comma splice variety.

If this is an interrogative, it should end in a question mark, good sir.

Mr. TPIZ, I recommend that you avoid ending your sentences in prepositions. The correct sentence would be: "Lobsters, stop saying things with which I agree."

Actually, sir, that would be "in every sense of the word," not "world." Please note that your comment also ends in consecutive sentence fragments, as well as containing questionable punctuation.