In the immediate wake of September 11, 2001, insurance rates skyrocketed for lots of operators and lots of businesses, not just adventure tourism, but it was particularly acutely felt in our sector. I heard numbers suggesting that for several years afterwards the numbers went up about 27% or 28%. They have since come down, but only a limited number of underwriters and people are willing to insure this particular line of business. I've heard that fewer than 10 in this country engage in underwriting this kind of activity.
They weigh the risks. They are doing it only because it is profitable. In other words, they have made an assumption on the basis of actuarial evidence, I suppose, that the payouts they are required to pay are less than the premiums they earn from the sector. In other words, the claims, as I tried to indicate earlier, are not that high yet.
I heard a number this morning from an insurance agent. They are typically asking one operator to pay about $3,500 a year in insurance, so it has come down significantly.