puerto rico, we'll start the process with great -- we have tom bostwick is with us in the other room.tart it with great gusto but it's very sad what happened to puerto rico. the virgin islands -- i don't have to say, all you have to do is look at the pictures. they are flattened. areas around there have been flattened. so these were storms they haven't seen in many years. it is very sad, actually, to see it. but we will start the process. we have, as we've proven, we have incredible teams, fema has been beyond -- who would have thought after texas they go to florida, then they go to puerto rico and they go to other places, too. louisiana took a little bit of a hit and they recovered really well. they've done a fantastic job in when louisiana. alabama has been fantastic. so many people went to alabama during the storm, during the florida storm and likewise georgia. so many places were so incredible in the way they handled it. so we are going to start the process now with puerto rico. we'll have further updates on it. but it was one of the most serious storms anyone has ever seen. thank