it sets up the rules and helps government avoid payments that would be maynard webb. -- that will be made otherwise. to expire,is were what will insurance companies do? guest: that is a difficult question to answer. we can look at a couple of things. we can look at after september 11 and many companies chose to exit the market and there was no insurance. since then there is been another murder -- there has been a number of surveys issued and most of them senate many companies would exit the market if there was the shifty terrorism insurance act and didn't exist. 85%ence suggests around and reduction in the amount available for insurance. when i definitely sure what -- that given the -- we are not totally sure that given the real situation, the companies like what's in the survey or not. host: what type of company is buying this insurance? guest: what you would expect -- most commercial real estate, malls, high-rise, office buildings, airlines, any company facilities, a of lot of infrastructure, a lot of people that they need to cover -- will beoperty buying terrorism insurance. host: