Insurance

Risk managers at corporations are probably more intelligent about the way they buy their insurance than many years ago. We really don't want to ensure someone for a loss that they can afford themselves because if we are doing that it may be because they also have a loss expectancy that is higher than the premium we are charging which is not what we are trying to do in business. There is a lot of insurance there is some there is a fair amount of insurance bought that doesn't make sense and there is afair amount of insurance that isn't bought that should be bought.