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that will prevent any more lowering of their ratings.
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The other thing that's happened now is that Warren Buffett said
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he wants to get into the municipal bond insuring business.
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Well, he's just a business person coming in.
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So, there will be new municipal bond insurers appearing
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that will take up slack and we'll be all right
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but the problem is that we may have a crisis for a while.
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The other thing that I want to talk about--
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and I guess I'm running out of time--
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was about management of disaster risks.
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We have another insurance crisis developing now
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because of–well, a very important source of insurance risk