How Much Did We Pay You Last Year?

American Express was just picking up a few dollars by having the field warehousing company in 1963 and they were worried whether it was going to sink the company. Some guy was calling in from a bar in Bayon and telling them the phony stuff was going on and they didn't want to hear it. They shut their ears to it and then what emerged was one of the great company after this kind of what they felt was a near death experience. You know, and now it's got 13% of the households in the United States insured  and it came out with an attention to reserve development.