wa nted even more than hurricane katrinalj wanted to ask you about how it co m pa res wanted to askares because there are clearly direct costs and indirect costs and the indirect costs could go on for yea rs of the indirect costs could go on for years of just trying the indirect costs could go on for years ofjust trying to put things right. where do we start in thatjob asa right. where do we start in thatjob as a loss adjuster, where do you start to look? there are so many different elements to this? start to look? there are so many different elements to thi57m splits different elements to this7m splits down into different kinds of insurance. the state will be incredibly busy, the national insurance flood programme, will respond immediately, but there will be individual insurers involved on the ground in the united states and then reinsured through the lloyds community here in london and they will be looking at each individual insurer instructing loss adjusters to go out on their behalf for their policyholder, damage assessments and then also looking at longer term economic losses.