well, on that point, willie walsh, the big boss of iata, always great to talk to you, my friend.th you soon. thank you. good to talk to you. you know, the global travel insurance business, it's thought to be worth around $20 billion a year. and of course, it's another part of the travel and tourism industry that suffered because of the pandemic and still faces yet more turbulence because of climate change. well, germany's allianz is one of the biggest names in the business, so i decided to catch up with the man who runs its travel insurance. tomas kunzmann, a real pleasure having you on my show. tomas, let's just start with this — how has your business changed over the past year? quite tremendously, aaron. quite tremendously, because we as customers and consumers have changed. we have changed the way we expect a travel insurance to work. and you will recall in the past, travel insurance, maximum expectation from customers was, "pay my claim." today, 80% of our customers tell me, "we want more "from you as a travel insurer. "we want that you are the peace of mind button, the probl