Well, let me clear that up. There is I. But question: AFSI is in a niche market, dealing with workman"s comp and mid-sized companies. There is no competition. Good. But if I remember rightly, last quarter"s diluted e.p.s. came in at 37 cents, and the same quarter one year earlier was diluted e.p.s. of 36 cents. Does that mean that the niche market is very small, s.g.&a. got away from management"s control, or what? Clark P.