 insurance claims and the like because in some sense the buck may stop with them Microsoft is having issues in a much milder way in part because it's so ubiquitous and used so much in business so I don't think I'm worried about Microsoft but a firm like CloudStrike is probably biting their fingernails all this weekend worried about the knock on effects because I think ultimately as I said before the buck will start with them and they're probably the most vulnerable player in the whole chain