I mean over the last two years it's been shock horror headlines, you know, will endowments fail to repay the loan,are endowments good value and I ke some of the journalists I've read bef over the last two years have actually completely reversed what they said t two years ago when P E Ps were declining because of poor share markets and bonuses were coming through quite nicely on the endowments, they said oh endowments are the thing to do.