. >> i am back again and this is something that my prior actuary you had reese evans who was a exceptional actuary was strong in favor of. he shared with the board where you're self funded and take risk in addition to the required terminal liability have a contingency reserve. we have reviewed this with the board and you reviewed the scpls this is sharing the amounts on the books now so you have a contingency reserve which means do i have a reserve if this thing got out of hand? i am taking risk and i need money on the books just in case expenses got interesting so you have the amount listed for city plan. you have money for delta dental and for the pp o and 14 million plus on your books so a total of 24 million of contingency reserves. i think this is wonderful. i really applaud the board for letting us review the policy once a year. i am thrilled they're on the balance sheet. before me they were not on the balance sheet. they have consistently have been and kudos to the ceo and director dodd for this and this is great and i wanted to share the amounts and the auditor has already approved