I'm Brian Little.
As everyone is aware, we do an annual review process with our clients and we evaluate each client on a client-by-client situation. In some of those situations whereby the position has deteriorated, yes, we may need to implement a slight premium for that change year over year. But we don't do that across the board. We only do it in situations that perhaps have weakened.
In fact, looking at our past six to eight months, we continue to grow so we are writing more business as time goes forward and dealing with more clients, which is our goal for the future. We want to continue to maintain our role and continue with our goal for this.