I believe that if they stay they can look forward to a very stable and encouraging investment performance in a society in which they can have confidence. I have no financial motivation at all. As between the GAR and the non GAR holders . I surrendered half of my policies as you may know which were all GAR - into non GAR so that nobody can accuse me of being partisan. And although it is a substantial sum of money I can promise you that I'm not doing anything out of economic self interest.
Equitable Life is solvent both on a technical and in a colloquial sense.
Technically it's solvent because we pass all the regulatory hurdles and the FSA will confirm to anybody anytime that we are solvent in terms of the law and the rules. I mean that there is no expectation, no likelihood that we will be unable to pay all policies out in accordance with their terms over time. Equitable Life is and will remain solvent, but if there is a compromise I believe that policy holders will do better. Okay yes thank you very much.