giulio: good morning.at the covid numbers we had for the nine months, the lines of business werewere most exposed across a few countries including germany and france. wet was the geography where had the most business interruption loss. the other line of business -- we had significant loss in entertainment which is basically the line of business where we hosting events and there were a lot of event cancellations. this is where we saw the impact coming from the covid. annmarie: germany and france experiencing a second wave. with regards to the second wave, do you expect the wave of claims to be more or less? giulio: the claims are going to be significantly lower compared to what we experienced in the first wave. if we look at event cancellation come in reality we have already booked all of the losses considering that we were there would not be many events taking place. are that point of view, we ready have a provision for that. down, we see that the law is different compared to the ones we saw in the first q