Hi, I am trying to get my head around May 2014 Q5. I don't understand why there has been an assumption made that 10/11 of the written premium relates to the standard contents policy and 1/11 related to the premium guarantee. Is this because the guarantee business has a 10% loading on the premium? If so, I don't understand why this means that we can assume that 1/11 of the written premium is for this business, would other assumptions have been equally valid? Thanks!