Would somebody please ask why the average paid claim for q1 2010 and the average reserve per delinquency is wide enough to fit the state of Texas. I mean, come on. Are you guys really going to rescind 25% of all delinqs and then 25% of your delinqs are really going to cure. I mean, that seems pretty far fetched in light of what the age of the existing delinquencies must be. Yes I am short both PMI and MTG and would ask Mr Zocaro to have a little integrity and shed some transparency about your industry and its reserving methodologies. you know its the right thing to do.