Sandy just skirted Florida, shouldnt be anything too bad at all. And I think that was the only big storm to hit Florida in the third quarter, right? The third quarter is then followed by two quarters without hurricanes, their seasonally strongest. Rate increases starts in December. Book value is $8.24/share vs a $5.45 share price, and the company is in turnaround mode. And, in the CC, the CEO stated that Citizens is offing a boatload of policies in November and December, and they think they can pick up a chunk of those.