first of all, about the people that i work with, as i mentioned carrie emanuel, he's one of the guysi can lean on. he is at the proper distance from me. were not friends, but were good colleagues. i pay attention to his work and he pays attention to mine. they've drilled down in coastal regions and looked for deposits and historic hurricane events. [inaudible] i think the problem with the tornado is they tend to underestimate the risk. tornadoes are called than people in other words, if you look at insurance policies in oklahoma you are -- i don't know about policy but i know your risk is probably about your house being hit by a tornado is about one in a thousand years. that's what they tell me. i believe is closer to one in 500. it's about half. they are underestimating the risk of potatoes in many places in the us. concerning the hurricane problem and the coastal leaks the insurance companies got it wrong. i was part of that discussion. they came to us back in the mid- 2000 and said what will happen, 2004, 2005, in the big seasons they said me and a group of us and said what will h