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So then we're forced to look at what are some other possibility funding strategies as Invoice points out. It's the parametrics. It may be a captive. It could be checking out substitute marketplace structures, and that's why we're normally trying to develop markets perhaps wherever one won't exist and new requirements happen to be created by means of this evolution is how can we stay forward of it and develop a hazard transfer when the traditional marketplace is expressing, hey, we don't want that danger any more.
 

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