our we welcome director of corporate communications with the insurance information institute mark friedlander mark thank you for joining us today we just heard what alex reported what kind of increases are we really looking at here. well we knew coming into this hurricane season series it was going to be i don't well above average sees every meteorologist talk about that every forecaster and we're seeing it come to reality already exhausted the entire list of hurricane names from the national hurricane center now into the greek alphabet which is only happened once before in history in 2005 or on beta already so we clearly are seeing a record setting year in terms of number of storms fortunately we have not seen storms at the level you showed in your chart a few minutes ago of those nasty losses we haven't come to that level yet which is a good thing for you well let's look at the stimulus here what are some of the most significant ways 1000 has also affected your members i mean markets have been affected severely but with many banks choosing to put mortgages on moratorium the house marking is