transit to make a claim next time around may see a higher premium the same goal for the nfl into borland has that ensued in the past we'll see higher rates? i did from an overall perspective but this is a fair comment. it tends to be a class of business that is much affected by severity type lawsuit so you have a losses problem pointed bill read large one so processing tends to follow the frequency and the severity because companies are not wanted a flooded basement but then when the house on fire. which brings us to tell the two markets because this bill the has been a tale of two stock markets to some degree the french sector and the rest of the mark in your seen the price when it comes to dealing with insurance. there's no doubt that there's a big difference for rental institutions being called up an economic miltown the we have seen over the last once compared to everyone else had seen any back office or back away from purchasing insurance because it's too expensive? and we haven't. and of the 81 collect aboard together york was required to provide some level of protection to the bou