I was just thinking that if the Coronavirus outbreak and lockdown continues it could cause a problem for insurance companies with the payouts they will have to make. I have had a look at the news articles on similar topics but they seem to surround the consequence of the low return the low interest rates and bond yields are producing rather than the payout rate, although the low return problem would be another reason why insurance companies might default. Do any of you have any thoughts on the issue or the risk of a large scale default in the insurance industry if the lockdown continues? Life insurance policies will be heavily claimed due to the death rate, then there are all of the other claims from loss of earnings and the cost of being infected even if the person makes a recovery. Do any of you have a contingency plan if this happens? If so what would you do if the insurance market crashed and what do you think the impact would be on the stock market?