The Uninsured in Europe

The insurance side of the business has done very well and they may even raise you know operating profit outlook. They've actually you know they I don't know how big natural catastrophe will be in terms of their bottom line. We may see some more claims in Italy and Germany in the second quarter due to the floods but they did not have huge natural catastrophe expenses over in the first quarter. In part perhaps Caroline something that we I'm sure we'll talk about is the lack of insurance for natural disasters here in Europe. Yeah absolutely this idea of the underinsured in Europe is a big issue.