wolf for us from the weather channel. hurricane sandy loss estimates are as high as $10 billion, but what does this mean for the insurance stocks. let's welcome joshterling an insurance analyst at bernstein. thanks for coming on today. >> thank you, scott. >> had an analyst on yesterday looking ahead to the storm who suggested that chub was the best physician. how would you assess who has got the best place right now in the insurance business, given the damage estimates?5zl >> well, you know, that's a great question. the truth of the matter is all will be weak for a few days. looking back in history, what happens is investors in times of uncertainty, until the companies start to report losses, generally the stocks will be weak, and, of course, you know, given this storm and given how many people who are investors and how we've been sitting at home watching television for the past couple of days, i think that sort of technical story is likely to play out even more so. >> it's been a benign hurricane season up until this point, hasn't it in the gulf hurricane season was fairly kwai. >> oh, yeah. this is fantastic. we're in the middle of third-quarte