The use of independent, highly qualified legal and claims professionals will be controlled and limited. We will respond immediately to disputes that may arise with the objective to get a project back on track. Most traditional sureties focus on the elimination of exposure to their bond while this approach will be to address prospective claim issues proactively. Loss exposure will be limited to the expense involved in investigating the issues and resolving disputes at very early stages. The mandatory funds control related to this contract surety program will mitigate much of the risk related to the bonds. In addition, we will be in a position to pursue secondary protections such as collateral, indemnity, assignments, etc. to further minimize or eliminate claims. Our objective is to maintain a loss ratio that is in the low teens which will be comparable to or below industry averages. A portion of our loss ratio is the loss adjustment expenses associated with this proactive strategy.