Okay, this question is tricky, because there have been a lot of difficult situations. Every renewal is difficult, like no renewal over the year is easy, mainly because of the local regulations, when we have frontage covers, when you deal with the frontage covers, sometimes how the London market is because of the situation. Every year the market is different, every year client acts differently, every renewal meeting are different. So one of the main thing I have learned is that start, mainly start the renewal meeting in time, and before going for renewal or when the account is due for the renewal, I make sure that I check everything, the claims record, the file, if it needs anything to be done prior to that, prior to a month or prior to the renewal month. So that renewal process starts before a month, or if it's for frontage cover, before three months. 