Well the payout to repair the cars and pay medical bills or whatever maybe around 66% of the money customers in aggregate pay them, the other 33% mostly goes to

Well the payout to repair the cars and pay medical bills or whatever maybe around 66% of the money customers in aggregate pay them, the other 33% mostly goes to pay the claims adjusters, hire lawyers to defend against fraud, and do a ton of other stuff. At the end of the day they’re going to have just a couple percent of profit directly from the actual premium payments if they are lucky. But then the investment returns gets them more profit.