Our regulatory guidance have been through the Central Bank of Trinidad and Tobago of which we have been licensed for the past eighteen years. The Clico debacle caused the Central Bank to be more stringent in their operations which we should embrace. It’s also imperative for our regulators to peer into the future and adapt to the rapid changes occurring in our industry. I believe that our industry will look totally different in the next twenty years. Various industries are evolving and therefore risks are also evolving; therefore the insurance coverage will also evolve.