 that uh rates are going to go down immediately but i'm absolutely certain that what we did on the property side is going to make us more attractive to uh companies who are looking at at writing business in louisiana and uh probably happen overnight but we will certainly be in a more competitive uh position on the property side look i think we did some really good things on the auto side but we do have work work to do still well let me go back to the property just for a second uh