Not recommending VRSK only pointing out that they have greater resources than IGEN and already have signed up some major telematics clients for driver score card while IGEN has not YET announced any clients. VRSK team has more than 40 while IGEN has much less. VRSK patents solid and use different approach than what IGEN has filed. DO not forget what GM and Ford are doing. Progressive auto team never heard of IGEN-YET. Time will tell after IGEN does some more dilutive financings what they can do in the year ahead.