challenging environment to market is operating in let's get more on these results from chief executive inga bealethank you for joining us today. to extent does the specter of brexit overhanging worlds oldest insurance market? inga: it's interesting, the profits are up 22% on the same period last year but the big impact on that is the change in the foreign exchange rate from sterling to dollar. that, of course, was driven by the outcome of the referendum. that could have a bit of a windfall. we have a few other factors come into play. we have seen our investment returns improve and actually triple over the same period last year to 1.8%. the brexit topic, that is distracting at the moment. we are having to reallocate resources. all about making sure we can continue to accept the continental european market. what are your contingency plans if the initial services lose access to the single market or if rights are no longer available? inga: ideally we would like to end up with passport and rights. in all 27 countries in continental europe, about 4% of the revenues would be directly impacted if we coul