I’m not completely buying it……I mean I hear what you’re saying but let that scenario actually play out and SOMEONE is going to start hollering foul at a certain point……If premiums start sky rocketing to pay for a billion dollars of deer damage then that’s going to cause an issue of some kind……Maybe it jacks rates up to a point that a bunch folks start dropping full coverage or something......or dropping coverage all together and risking not having any....The company has to have some kind of incentive to keep prices to an affordable rate