The reinsurance bill at our company is about $75 million per year. It is critical that the reinsurance company is financially sound and will be there when you call on them to pay a claim. Another big risk, in my opinion, is purchasing reinsurance. We must maintain the discipline! We have a business plan that states we will not take a risk greater than; $800,000 or $900,000 premium account with a greater risk category than 6. I believe that the biggest challenge in the insurance industry today is to maintain the discipline of your business plan. My advice is to guard against going after premium in favor of going after profitable business. Industry capital has suffered depletion due to staggering losses resulting from 9/11, asbestos litigation, tobacco litigation and medical malpractice litigation, which today has driven a number of insurance companies out of that business. In recent years, the major change in the industry has been depletion of industry capital and the failure of what were considered stable companies. I could purchase reinsurance for less, saving, as an example, $25 million a year, but I would have to purchase it from carriers that are not rated highly by A.M. Best, and I won't do that. On the property insurance we underwrite, we retain $2 million of exposure and buy reinsurance for any exposure in excess of this amount. We buy reinsurance on all liability in excess of $1 million; on all umbrella policies, we underwrite up to $10 million.