Reducing costs is a clear advantage to using the partial retention program given that you won't be using a full insurance policy from the open market. Considering the deductible is something that should be considered with all policies and not just a partial retention program. This weeks discussion that applies the inventory factor into how a deductible can play a critical role in coverage. The methods that you have listed of how the company can pay for inventory damages were solid. Do you think that creating a fund/account separately to be able to pay for these incidents would be productive as well?