part of what charles taylor davis do is loss adjusting, getting onto the ground, assess the damage ande can make. how quickly are you on the ground after incidents like this? we have offices in houston and florida. we have people on the ground, right now, ready to assess claims. i think the reality is that there are still a lot of areas that are inaccessible. we deal quite heavily on the commercial end of the world. in that space, people are still getting back to their offices and workplaces to assess what damage there is, and to start making those claims. we seem to have have an increasing number of extreme weather events. just today we had an earthquake in mexico. how does the insurance industry factor these in, in projections going forward, working out how much to charge customers? well, it is clearly one of the more difficult assessments to make because it is essentially a low probability event. when it happens, the costs are enormous. it's always a tough call, exactly how to rate that. they use models to help that assessment and they will have made a view about how many hurricanes