So then we are pressured to look at Exactly what are Another chance financing approaches as Bill points out. It is the parametrics. It may be a captive. It may be taking a look at choice sector buildings, and that is why we are always planning to build marketplaces probably where a person does not exist and new requirements happen to be produced via this evolution is how can we continue to be in advance of it and develop a risk transfer when the traditional marketplace is declaring, hey, we don't want that threat anymore.
 

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