Perhaps, but you don't need an army of sophisticated actuaries to figure this year's number for Croydon is not too different from the last 20 years of data. The

Perhaps, but you don't need an army of sophisticated actuaries to figure this year's number for Croydon is not too different from the last 20 years of data. There are some prediction and budgeting problems to solve of course but they are of an entirely different character when you're not dealing with a for profit or marketplace solution.