John I call it as it is, regardless of claims all I was saying is a comparison to a current result like QBE's which was horrendous.
Long term I'm a massive fan of QBE and have been a long term follower, they just needed to get rid of the previous duds there which it looks like they have and I think long term if rates kick up QBE could well be one of the best turnaround stories on the ASX. But in terms of the last report, it was horrendous and I don't anyone would argue with that.
Ann: Half Yearly Report and Accounts, page-47
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