General Re

Our preferred business is up in aggregate policy holders and our standard and non-standard is down. So what you have deduced from those figures reflects changes in mix and age of business far more than it does retention ratio. The local American express office has been so good we just refer people on the American express and I congratulate them for the job they have done. Area 7 please. Chip Mann from Minneapolis, Minnesota. Thanks again for this open format and your direct answers to our questions. You have talked a bit about the super cat class level of risk that you write. Could you share your thoughts about expanding the competitive advantage?