I think those with a percentage of the costs are those who are performing dangerously from their share but this really shows that they are more expensive and those who are creeping are the safest and the agents have never made any reduction so the costs are smaller for us and I think propagate is better because in propagate we can get a discount and in a set situation is better than a commission because if we generally determine that we have to pay for business than we find that we have to pay more than propagate it's not true.