with me is inga beale from london first, a not—for—profit group made up of business leaders from acrossxpert. of course, a former ceo of lloyd's of of london. this situation you know extremely well. well, all sorts of disasters happen in the world, and of course, some of them happen to businesses like thomas cook. and when you work in insurance, you are a lwa ys when you work in insurance, you are always looking to the future to think about what could happen. and any business actually should be doing that. they should always be looking through, looking at how sustainable their business model is, looking at what could happen in the future that might put them off track. now, often we think about natural disasters, and if you think about one of the other things that really hit the airline industry and the travel industry, of course, was the travel industry, of course, was the volcanic eruption in iceland. and some of those things are not so predictable. but when it comes to running a business, you would expect something like this to be a bit more predictable. and one of the things that dis