it's contributed an enormous amount of money to refinancing after 9/11, after hurricanes katrina and wilma. after the hurricanes last year it's been a very responsible market in paying its claims. >> mr. chairman, i didn't say they weren't responsible, and i didn't say they didn't pay claims. i said they all had the same rate in my state which seemed coincidental. >> thank you very much. the chair notes some members may have additional questions for this panel which they may wish to submit in writing. without object the record will remain open for 30 days for members to submit written questions to these witnesses and place their responses in the record. before we adjourn, the following written statements will be made part of the record of this hearing. the center for insurance research, the property casualty association of america and the cea, a trade association of european insurers. without objection, it is so ordered. i want to thank this panel for their contribution today and taking all the -- we did it in three hours which is pretty good. maybe next time we can keep it for five. there