SFGTV February 14, 2013
When the Committee Goes to five members. [speaker not understood] the kind of rules and policies regarding all of these reserves. Since the financial policies were in effect a couple of years ago, we really have made a tremendous amount of progress in establishing reserves that have been looked upon very favorably by the rating agencies and though more importantly we will have money available in the next downturn that will keep us on a more steady footing in terms of how much money and it will prevent big cuts and layoffs. So, im available to answer any additional questions and we will definit...