we spoke with lambros lambrou of aon analytics. part of a young corporation oak were talking about directors and officers what is it how does it work? it basically provides insurance to protection to directors' and officers' insurance companies for losses they can be brought against them personally. in the the state perform for the company one way of think about it is like pressuring. for instance this would be a c o or a chairman for someone and deceased tweaked as well as in the boardroom but less protection against liabilities of making mistakes of some kind. pool shareholders' profile both claims and vendors can file those claims anybody can file this lawsuit right? in a lawsuit that a company prices often what will happen is that it will be expanded beyond the corporations to the individuals who work for that corporation. this normally is in short at the portion will purchase for those individuals. how does a company decide how many limitations to buy? it comes down to the risk appetite of the organization in me come down to p

lambros lambrou heads up aon analytics, part of the aon corporate. welcome to the program was to empire meant the state of insurance industry here and a lot of part of 2009. a lot more solid and was this time last year. do the second half of last year the meltdown occurred in the overall industry created a lot of problems for the insurance industry's volatility in capital markets we have some losses to its 2007 to 2009 and the impact that have on depleting the capital positions was very painful and actually contributed to a number of downgrades that were provided by. the credit rating agencies which can make it difficult for them to go out and get business because koppell wants to be ensured by a trust company that may not be able to pay their bills. how is a credit known industry? at the we've seen a little bit of stability as far as creating a lot of the volatility roundels downgrades occurred in much of last year into this year will have seen a relatively benign catastrophe loss season in conjunction with an approved in the global equity market th