the annual volatility estimate from napc so it is 18 percent down in public equities and i believe about 7 percent in public fixed income. you will see that under-and we don't adjust private, because it is a instutaneous repricing. then we have about a third under this scenario in liquid and the rest is in liquid. that means it will take us more then a year to collect that money. and another scenario that we would put together is what happens over 1 year when we have to pay $776 million out of the fund so we have to sell that, (inaudible) and also there is a one standard deviation repricing, but the repricing on the private is lag so it is half standard deviation. we are about a third of the fund in liquid and 2/3 is liquid. i think that is a fair analysis where we are in terms of kind of this liquid versus liquid split now. we ran a number of other scenarios and i will say that i will skip through them. there is a lot more. i will say that on the strong market (inaudible) there is more stress on liquidity, but we do have enough liquidity. it is more of what we are left with under this t