i mean over the last two years it's been shock horror headlines, you know, will endowments fail to repay the loan,are endowments good value and i ke some of the journalists i've read bef over the last two years have actually completely reversed what they said t two years ago when p e ps were declining because of poor share markets and bonuses were coming through quite nicely on the endowments, they said oh endowments are the thing to do.