We have technology that has proven to reduce the loss-ratio for insurance companies. With our unique scoring system, we will be able to provide the opportunity for insurers to better understand the risks associate with each driver and optimize their portfolios. This is the direction that the insurance market is heading in, and with the advancements in technology, insurers will need to evolve with or without us. Insurance companies that adopt our technology will experience benefits regardless of whether they are first or last to do so. Importantly however, the few that adopt our technology first will experience the largest benefits. The last to do so will be forced to evolve or end up becoming niche players catering to drivers who either do not want to be observed by insurers