We’ll continue with the airline analogy as it seems to work for folks. You can buy you know the basic economy you can buy business you can buy first class and you know effectively you’ve got the same kind of idea in auto insurance. Now the first thing we’ll start with is insurance companies. There are so many of them. How do you tell the difference between them. It is amusing and I’m betting some of your listeners will say oh my insurance company is great. My usual response after they ask that question “Oh so you’ve had a bunch of claims right?” and they go “Oh no no no I haven’t.”