A bit on Puerto Rico: Since our last earnings call, there have been numerous developments on our Puerto Rico exposure. We anticipated most of these events and believe we are well-positioned to manage through them. As we have noted before, we are relatively small insured exposure of $339 million including $169 million of GO, and $141 million of PREPA and we believe we are appropriately reserved. On the GO front, on July 1, we expect to pay approximately $121 million of claims most of which is at SCAI and are prepared to make those payments. These claims represent a large portion of all of our expected Puerto Rico claims.