In the overwhelming majority of cases, something in the nature of approaching 100 percent, the CPA firm is responsible for its deductible portion of the insurance policy, but virtually all of the firms that we work with and individual CPAs have malpractice insurance. And so, at the end of the day, typically the insurance company ends up paying the vast preponderance of whatever damages are awarded. Very seldom does a plaintiff or a claimant against a CPA have a claim that is larger than an insurance policy or, if they do, I’ve not yet in 35 years seen a situation where they wouldn’t agree to accept the limits on the insurance policy and settlement of the claim.