So in your opinion the insurance sector will continue to forge ahead? I was shocked to see the hefty gain in share price by the group, and hope we dont see much of that given back. Of course, like always i was so close to buying HIG and chickened out. Of the entire group, where do see the most strength and if market conditions deteriorate what reasons might they have to remain sound when the rest of the market continues to take a relentless beating. Is this a seasonal event? TIA Ken for any insights.