The Member is totally right; our insurance premiums have gone up from the previous fiscal year by $200,000. The reason, as he has indicated, was we did bring on some significant assets into service and within the last two fiscal years. We were able to mitigate the increase quite a bit by implementing what we’re calling the Property Replacement Appraisal Plan. So what the

department has done is work very closely with our primary insurers and to have a very detailed review of the replacement cost of our assets and that`s what has kept our premiums down. Thank you.