We can’t tell you if it’s going to happen because by definition a pattern change has – like it’s a change. But we’re way more sensitive to watching it and way more cautious in what we’re doing and way quicker to respond on a defensive posture to those items in this environment and we expect to have that margin of safety and defensiveness for some period of time.
Greg Peters: Okay. I guess the final question sort of comment I have, it’s going to be on your guidance in the third quarter, but the ROE guidance for next year two. I guess, considering all the volatility that’s going on, I just question whether it’s worthwhile to put out those – the guidance. We understand that’s your objective, but it seems that there is risk that we’ve observed with other companies, they are putting numbers out there or missing in them, stretch the near term considering the volatility. But when I look at your ROE targets and then you talk about the Preferred business being run off, does this ROE targets include or exclude the Preferred business? And from an accounting perspective, is that going to go into a discontinued bucket, so it’s going to be just below everything, below line in the income statement?
Jim McKinney: So a couple of points. The guidance does not include the redeployment of capital from the Personal Insurance or the Preferred Personal Insurance business. That will be a positive as it comes through or a tailwind. It does include what our expected results worked and where we thought the business would triangulate to. So it’s in from that perspective, but there’ll be an enhancement from a capital deployment element that will be a slight tailwind. I would not think about that as a major tailwind. It’s much more a tailwind over the two, three, four-year period. The secondary component that I would highlight is we expect to report – our core business is going forward and then non-core would include things likely the Preferred Personal Insurance business. That election would likely be made through our review in the third quarter, but our core businesses are the KA business and the Life business, so hopefully that’s helpful.
Greg Peters: It is.
Joe Lacher: Greg, we understand completely your question around the guidance and we’re trying to do a couple of things. One, you put – you pointed to Slide 13 and you saw the written and filed rate connecting. And Jim made a distinct point of saying – looking at the difference between the earned rate and the written rate, that that rate will earn in, it’s filed, it’s approved, it’s being written right now. That’s not anymore – when we filed something and it hadn’t been approved, you might argue there were some hope involved in that. Now it’s not hope, it’s processing that works its way through. So we’re recognizing that and we’re also highlighting that there’s a lot of things going on in the environment, we’re very quick to respond.
It’s a very short-tail business, but we’re also highlighting that there’s things we don’t know. And we’re confident we’re on that right path and we’re confident we’re going to find those things quicker and we’re making very significant and thoughtful test and learn investments to respond quickly, but don’t in any way, shape or form anticipate that we’ve got a crystal ball and we’ll be able to see those things before they happen. We’re not promising we’re going to see him, but we are promising we’re going to respond quick.
Greg Peters: Got it. And just one final clean up question because I can’t help myself, but litigation was mentioned, increased attorney rep, is that just state specific or is that across your entire footprint?
