 I am Hassan Bashir. I am the group chief executive officer of Takaful Insurance of Africa. Takaful Insurance of Africa is an insurance company licensed and operating in Kenya, which has introduced a dynamic innovative index-based livestock insurance product in northern Kenya. As the driest region of the country is affected by the cyclical nature of droughts. Droughts come now and then and every few years we find a big drought or a small drought coming that wipes out the livelihood of the communities that live in northern Kenya. And so with our partners Takaful designed and developed a weather-based livestock insurance product. The most important partner who was involved in the development of this product with us and who in real sense is responsible for the science research and study behind it is the International Livestock Research Institute, ILRI and who have worked with us since the introduction of this product three or four years ago. We all know that this product is useful for what amounts to roughly 90% of the wealth of northern Kenya, which is the animal value owned by the community. And so this product is critical in managing the strength and resilience of the communities who live in northern Kenya so that they can deal with the the adversities of weather that come from time to time. So it's designed to help them out, to make them stronger, deal with the weather and the product doesn't remove the weather but it helps the communities be stronger and deal with it. We are active in four counties at the moment in northern Kenya. We're headed to two more counties in the coming window five and we have had some significant successes considering the difficulty of the terrain and the community that the product is targeting. We have so far insured over 36,000 animals across four counties with some insured of nearly 100 million Kenya shillings. Over the last four windows we've seen increase. The last window had a significant jump. We started the IBLI product using a predicted mortality contract and we have since then moved to forage scarcity and we feel that both in terms of price and in terms of management the forage scarcity product is much better and much suitable to the community than the predicted mortality contract which we introduced earlier. The single biggest challenge if I may start with that is managing delivery costs to the project over a large expansive region of a very difficult terrain of fairly weak communication systems so the biggest challenge is meeting that initial cost as we go towards critical mass. The biggest potential is we're looking at you know a 20 million strong community in the Horn of Africa region with significant amount of wealth that really provides a huge reservoir for insurance company in terms of growth and expansion so it has both the potential the challenges are there but challenges are there to be met to be you know solved so we're very very optimistic about the product and it's a product that requires a significant amount of patience and time but we have no doubt that it will come to fruition.