Actuarial Boot Camp with The Hartford

None

Episode Transcript

(00:02):
Welcome the Pulse of the Region,brought to you by the Metro Hartford Alliance.
The Metro Hartford Alliance collaborates with investorsand partners to elevate the Hartford region
through economic development work, convening thecommunity around share challenges, and providing local
chamber support. Learn more about theirmission and how to get involved at Metro
Hartford dot com. Pulse of theRegion is produced in partnership with OKILL.

(00:24):
Originally founded as a school for theblind in eighteen ninety three, OKILL has
provided holistic, person centered services forindividuals with disabilities for over one hundred and
thirty years. With empowerment and independenceas its guiding principles, OKILL works in
partnership with the individuals it serves toprovide residential education and enrichment opportunities. Learn

(00:44):
more at okill ct dot org.Now here's your host for Pulse of the
Region, Kate Alman. Welcome toPulse of the Region. I'm your hosts
Kate Allman. Excited here As youknow, every week on Pulse of the
Region, we highlight the great thingsthat are happening throughout our Hartford region,
throughout the seat of Connecticut, andtoday is no different. Today we're getting

(01:06):
the pulse about how the CTIFS,which is an initiative of the Metro Heartford
Alliance, is helping to fill theworkforce pipeline within the insurance industry by hosting
their annual program, the Actual Aerialboot Camp. Very excited to have our
guests here in studio, some comingin from our campus University of Connecticut,
over in stores, but a greatconversation in store for us today. So

(01:29):
without further ado, I'll introduce ourguests. First, Who's been a repeat
on the show, and I loveit when she joins us. It's my
colleague with the CTIFS and the MetroHeartford Alliance, Susan Winkler. She is
the executive director of the CTF.CTIFS say that twenty times fast season.
Welcome back to the show. Alwaysgreat to be here, Kate, thanks

(01:49):
for having me again, of course, of course. And next from the
Hartford he is an actuary and aprofessor, Dan Watt, So Dan,
welcome to Pulse of the region.Thank you, good to be here.
Fantastic And last, but certainly notleast, from the University of Connecticut,
Go Haskis. He is a retiredactuary and current director of the Yukon Actuarial
Science Program. It's Andy and NigelSki. So Andy, welcome to the

(02:14):
show. Thank you, Kate,happy to be with you today, wonderful.
Well to get things rolling, why, we'll go through a few introductions
and Susan, many of our listenersprobably don't need the reminder, but it's
always good to have a little refresheron just who is the CTIFS. So
I should probably narrow it down tolike five words yea by this point I

(02:35):
think you should be able to forthose that are new to listening. The
CTIFS is, as Kate indicated,initiative of the Metro Hertford Alliance and we
are essentially a business association of insurancefinancial services companies located throughout Connecticut to that
coalesced together to build a stronger industryin Connecticut. And that's that's our mission
and our core mission for the lasttwenty years. And the Hartford it's one

(03:00):
of our board members. And I'llshout out to Daniel Campany who is our
board member from Harper Who and perfectand if you could talk a little bit
about actually are boot camp just ata high level, and then we'll definitely
dive a lot deeper in the conversationor just as a kickoff to what it
is. But about fifteen years ago, the CTIFS board decided to start growing

(03:25):
our own actuaries from the very earlieststages and that met high school. So
we created the Actuary boot Camp tohelp us teach what is a great occupation,
a great career pathway to our finestmath students in Connecticut. And so
we've now run this camp, asI said, fourteen fifteen years, and

(03:47):
we are just thrilled to now haveour in our miss FSA at ASA.
So we have now graduated all ofthem into our own workforce now running that
many years, so we're just thrilledto be the host. It is incredible.
And throughout those fourteen fifteen years,the Hertford has been a great partner

(04:08):
and has hosted the program actually thelast two years. So Dan, if
you could talk a little bit justwhy did the Hartford want to get involved
with this? Yeah, I know, I mean we were very lucky to
host again this year for sure,and just you know, full disclosure,
we've offered HOSE again next year whenwe're recording that success and so you know,

(04:29):
we we absolutely wanted to do itagain for many reasons. I mean,
our ultimate goal at the Hartford youknow, the initiative initiatives that we're
working on are you know, isto raise awareness of the actual yal profession,
which includes educating prospective students, justlike Susan was talking about with the
boot camp in particular. You know, also we want to focus on increasing

(04:50):
women and people of color representation withinthe actual arial career itself. And so
the boot camp is a phenomenal programthat allows for many of these goals from
the from the Harvard perspective, butalso we have spent you know, some
time with CTIFS the last year,last couple of years making some kind of

(05:12):
big changes to how we how wein particular, you know, how we
gather the students and how we advertisethe boot camp, and we just wanted
to do it one more year justto solidify a lot of those changes.
And we saw we reaped a lotof rewards excidentially, sure, definitely and
excited to talk more about that.So but first we'll introduce Andy. And
Andy you are the instructor for theactually aial boot Camp. So if youve

(05:35):
got applause. Yeah, I wasgoing to say, big round, and
we've been blessing yea. So Andy, we'd love if you could share a
bit more about your role and evenyour career history to kind of get you
to this point. Sure. Yeah, So I've been involved with the boot
camps and sits inception in two thousandand nine and every year since. My

(05:58):
good friend Michael Bronstein was heavily involvedin the creation of the program. He's
been let's call it, Master ofCeremonies until he retired from it last year.
I've always had a passion for teaching. I worked in industry for thirty
seven years as an actuary, butI've always had a passion for teaching,
and Michael and I always talked abouthow great it would be to work together

(06:19):
someday. So when he asked meto get involved in the boot camp,
I just absolutely jumped at the opportunity. My role over most of the years
has been as an instructor, teachingthe student's probability during that week of the
boot camp, as well as injectinghumor along with Michael to make think about

(06:42):
the actuary and yeah, a littlebit car card trick person and then with
Michael's retirement, I played more ofyou know, took on more of an
master of Ceremonies role as well askind of finding the presenters that present at

(07:06):
the boot camp throughout the week.So it's been just a wonderful experience.
I love it. I hope Ican do it for years to come.
Fantasigo. I love to hear that. And your I guess you'd say,
your day job, Andy is youare at the University of Connecticut and your
director of their actuarial science program.If you could talk just a little bit
about what that looks like. Yeah, absolutely, you know. I feel

(07:30):
so fortunate after a thirty seven yearcareer, I had been adjuncting while I
was working full time. I hadbeen an adjunct instructor at Yukon starting back
in twenty eleven and just loved beingwith the students. Just a great group
of individuals, really devoted and dedicatedto wanting to become actuary. So it's
just an ideal teaching situation. SoI adjuncted for many years. Then I

(07:56):
retired from industry in twenty twenty anda full time teaching opportunity opened up at
the university here and I jumped onthe opportunity to apply, and fortunately I
was given the hired on to bea full time instructor. That was two
years ago, and then last yearthe director of the program retired and well,

(08:20):
I'm not a big fan of allthe administrative work that comes with directing
the program. I'm so passionate aboutwhat's done at Yukon that I agree to
take on the directorship role. Sonow I'm teaching courses as well as doing
all the things to make sure theprogram continues to be one of the best.
You know, we think it's oneof the best programs in the world,

(08:43):
if not the best program. Maybea little biased, but we really
believe that. So anyway, it'sbeen such a joy to be able to
do this at this phase of mycareer in life. It sounds like it,
No, it's wonderful and wonderful whatall of your work and I'm sure
your team work is doing to buildour next generations in the workforce. And
before we talk more about the actualaerial boot camp, which I know I

(09:05):
keep teasing it, but I doreally want to talk about just the landscape
right now within the workforce, specificallyas we're looking at the actual areo industry,
so soon as then I'll start withyou first, if you could talk
about just kind of the opportunities withinthe insurance industry for someone with an actual
aerial science degree. So for thosepeople like me, a communications major who

(09:26):
might be sitting there, what onearth do you do with a degree like
this, If you could talk alittle bit more about that, And then
I'm gonna lob that right over toDan because the true opportunities he'll be able
to talk about. But in general, Connecticut ranks O number one with the
highest concentration of actuaries in the US, so we know the insurance industry needs
that particular occupation. It's growing continually. What is what we are seeing though,

(09:52):
and I will say, and thisall can lob the ball over to
Dan. We have seen a littlebit of diversion to the extent that the
actual real science, actualarial profession.It's also could be a data scientist or
could be someone with a data background. So when the Harvard has done is
broaden the opportunities to go beyond justthe actual real side. So again we

(10:13):
ranked number one. We doubled outon actual aial science for all the insurance
companies in Connecticut. That's why welook at this as our as our lead
retention and recruitment tool. But there'sother opportunities as well that fall within that
actual aial field, right, yeahexactly. I mean, like so you
know, just kind of finish yourthought there as well. To add on

(10:35):
top of it is you know,for the listeners that don't know what an
actually is. Is kind of thesimplest way to describe it as it's we
predict the future with math and statistics. So anywhere that the future needs to
be predicted, never more important.Yeah, it's super important now, so
you know, you know, addingon top of us he was insane,
you know, the better we canmake those predictions, that's why, the

(10:58):
better we were doing our job.And so that's why data science is kind
of meshing with actual real science whereyou know, Andy and I teach predictive
analytics at the University of Connecticut forthat exact reason, right, And so
specifically for the Hartford as far aslike opportunities go, I mean, for
these boot campers specifically in fact,Susan, I haven't told you this yet,

(11:18):
but we have recently put in aninitiative to help line them up with
mentors. Nice, So these bootcampers are going to get student mentors from
the Hartford that help them along thepath, this barrier to entry to actual
real science, and so they'll bewalking them through them for the numerous years.
But then you know, the nextsteps for them, obviously, because
they're high school students, is goingto be college and getting them helping them

(11:41):
get scholarships and things like that,you know, helping them find and apply
for scholarships. But from the Hartfordperspective, we're hoping that many of them
come back as interns and then eventuallyjoin the actual student program and eventually work
for us. And that has beenthe case so far. We have a
handful of prior boot campers that Iwas going to say, yeah, good

(12:01):
list of a lot of prior bootcampers at the Hartford that did exactly that.
Right. They came and they interned. They are members of the student
program, and many of them,like Susan said, are associates and fellows
now of the actual societies. Sonice and andy kind of from the student's
perspective. So as as mentioned,the students going through the actual eial boot

(12:22):
camp, majority of them are seniorsin high school, now jump in,
Susan, if you but seniors inhigh school most of them. And then
also Andy, you're dealing with andteaching on a day to day and also
you two, Dan, but teachingcollege students, So kind of what are
from a student's perspective, are theymost excited about when considering where to go
within the workforce? Why, Andywill start with you on that one,

(12:43):
and then Dan would love for youto chime in there til yeah, sure,
yeah, So, I mean,the vast majority of students who graduate
with a degree in actual science arelooking to pursue a career as an actuary
at an insurance or consulting company withthe goal of obtaining their actual real credentials.
And Susan had mentioned associate ship orfellowship in either the Society of Actuaries

(13:07):
or the Casualty actual real society.You know, they're attracted to this career
path for a couple of reasons.One, it's financially lucrative. But I
always, I always warned the studentsthat don't go into into something only for
the money. If you're not youknow, if you're not happy doing what

(13:31):
you're doing day to day, Idon't care how much money somebody pays you,
you're going to be miserable. Sothat but that's one aspect that attracts
them, But probably the more importantthing is that it's a place where they
can They're usually strong in math,but an actual career isn't being a mathematician.
It's using math as a means tosolve business problems. And that's the

(13:54):
exciting part about being an actuary isbeing a business person who's solving problems for
whatever company they work for. Soit's never boring, you know, people
and Dan can chime in on this. People ask us all the time,
you know, what's a typical dayas an actuary? And the beauty is
there is no typical day because everyday can be different because every day there's

(14:16):
new problems that need to be addressedand analyzed and solved and whatnot. So
that's what makes me an actuary reallyexciting. The job market is incredibly strong
for students right now, and ofcourse the greater Hartford area is just an
amazing source of those jobs. Sothat's what most of the students are doing.
They'll they'll there are a few thatmay enter related fields in insurance like

(14:41):
finance or investments and then some wantto continue their education in grad school,
but the vast majority are looking toget their actuarial credentials and work at an
insurance or consulting company that consults forinsurance companies. Okay, nice, and
you know I think, no,you know what I was going to add

(15:01):
before you you come, And Iwent back to my phone and I took
a picture of what we do.Now we go through and I'll talk later
about quot do we do? Howdo we immerse the students in the actually
real science. But I think aday one or we ask them, you
know, what do you think inactuary? Is what motivates you to be
here? And here's some of thewords that came up as a result of

(15:24):
that. Passion, drive, senseof purpose, be your own boss,
diversity, solving problems, fame,love that one, whatever creates success,
and be a leader. I meanthese are coming back from the students.
That's pretty cool, right, andI mean great attributes to have a future

(15:46):
actuary in insurance capital exactly. Andyou know, adding on top of both
of your you know, both Andyand Susan's comments, and actually it has
to be you know, we haveto know everything. And that's the most
exciting thing about it, right,so you can be famous because yeah,
but I mean it's incredibly dynamic,and so, you know, putting my
professor hat on for a second.The students, particularly the juniors and seniors

(16:10):
and grad students, the thing they'rethe most excited about is how dynamic it
is. It's constantly being invented,or you're constantly bringing in new things like
predictive analytics. You're constantly you haveto know the legal landscape of things,
jurisdictions, you have to know howyou know claims behave, you have to
understand the industry, you have tounderstand everything, and it's just super super

(16:32):
fun. And meteorologists not just jokingfrom earlier roles, I know way too
much about asbestos, like, butthat's I think really goes into what the
what the students were saying. Theywant to be a sense of perfect they

(16:52):
want passion, and the actual felField gifts out Dane so exactly, and
I would just you know, wetalk about actuaries being problem solvers, and
one of the best reflections of thatis not only are actuaries typically in traditional
actuarial roles, but actuaries are oftenpicked to lead all sorts of lines of

(17:12):
businesses at insurance companies, whether it'sunderwriting or customer service, or marketing or
product development or being the CEO ofthe company. And it's because again,
those actuaries are first and foremost businesspeople and problem solvers. Definitely. No.
So with all this, the greatreasons why you'd want to become an

(17:36):
actuary is, let's talk about theprogram that's helping getting a lot of students
to that point. And Dan,if you don't mind talking a little bit
about just the logistics of the actuarialboot camp, Yeah, sure, And
I mean, and he's gonna pipein as well, because you know,
he's been doing it for quite awhile. But these high school kids are
just seeing the tip of the iceberg. The idea of the boot camp is,
say, you know, we havehigh school kids and some like early

(17:57):
college freshmen that don't know what anactuary really is. And so the boot
camp is really a boot camp.It's like drinking from a fire hose essentially
for an entire week. And sowe have guest speakers coming in is just
bam bam, bam, bam bam. So introduction to all kinds of different
actual real concepts and you mentioned thisearlier, but we have a rough,

(18:17):
you know, introduction course on probability, helping them prepare for their first actuarial
exam. Right. And so guestspeakers are awesome. The guest speakers in
the in the boot camp, they'refantastic. They come from consulting actuaries,
health, life, property and casualty, enterprise, risk management, ensure tech,
more and more and more and moreand more. Right, And we

(18:40):
have fun activities and it's just goodfood. We do such a such a
great week. Anything else andy,Yeah, you know. The only thing
I would add is that Dan talkedabout the presenters who come in. They're
they're working job, their jobs,and one of the things I really love

(19:00):
about the profession is the desire togive back. So these folks who come
in to present to these students havefull time jobs, they're super busy,
but they want to take the timeto come in and help these students understand
what being an actuary is all about. And maybe they're they're little corner of
it currently and that always amazes me. And they end up thanking me for

(19:22):
inviting them to present, and I'mlike, I just shake my head and
I'm like, why are you thankingme? I need to be thanking you
for participating in this. So it'sjust a great experience for the students.
And again, I just love tosee how actuaries care about helping that next
generation. Definitely, and this yearthe program at actually last year, the

(19:45):
program was expanded a bit and modified, and Dan, if you could talk
a little bit about that, andthen you know, then Susan and Andy
would love to get your feedback onjust how's that making a change? Yeah,
no, no, for sure.I mean, like we specifically,
you know, we changed part ofthe recruitment, the different schools we were
going to, had a lot ofa lot of efforts nodding your head,

(20:07):
tons of effort to make these changes. And you know, it was obvious
this year lately, obvious year thisyear that all of those changes were impactful
because again, like I said,you know about ten minutes ago, our
ultimate goal, you know, isto raise the awareness of the actual profession,
but also again among a wider netof folks, right, increase,

(20:30):
increase women and people of color representationin the career. And we just had
a lot of new schools this yearthat we're joining, and you know,
you know a lot of compliments tothe teachers in those schools because they just
grasped on to our offer and theyjust they sold the boot camp to their
students and all of the boot campersjust really experienced a great time. I

(20:52):
mean just numbers wise, we wetripled our numbers from last year, so
we we had so many that weneeded to do to two weeks, two
separate weeks of boot camping this year, and that you could see from all
different schools and we had folks comingfrom all over New England. It wasn't
just Connecticut. It was amazing.Yep. No, I want to say
that we've we've expanded the geography alittle bit, but we do want to

(21:18):
make sure again one of the thingsthat we've learned in the past was to
make sure that the student population iscoming from a very close geographic area.
The reason for that is as theHartford invests in that young student, we
want to make sure that student isgoing to be retained here in our labor
market, hopefully at the Hartford,but certainly the labor market. And if

(21:41):
we started in long long history ofrecruiting outside everywhere in the US, a
lot of times as students would goback home after a certain period of time,
okay, and that's what we weretrying to prevent. So we're kind
of sprinkling the pixie du dust onthe students here, any of them super
excited about the about touching and feeling, learning about the profession, shaking hands,

(22:04):
learning that the jobs are here forthem. Okay. So that's our
local. It's contiguous New England andgetting into specific schools around the Hartford area
that we hadn't we hadn't promoted inyet. So schools like Bloomfield in high
school, right and achievement first andyou know, yeah, exactly no,
And that's great, And kudos tothe Hartford because I know many of you

(22:26):
individually were going to visit high schoolsand it just one just saying you know
what an actual area is, whatis actually areal boot camp And the results
were just incredible. Yeah, TiaJones, Daniel de Shane, So many
different students spent so much time anddedication to to go into those schools and
meeting those students and forming those relationshipswhich we still have, like like I

(22:47):
said earlier, where you know thatmentoring is going to continue and so it's
all the way hopefully to you know, fellowships, right, I was going
to say until they have you know, they have the little Larry the Stags.
That's so and andy. You know, any thoughts, you know,
additional thoughts on your end here andjust the impact that the program now has

(23:07):
being expanded reaching new students kind ofany of the results that you've seen already
early off. Yeah, I thinkit's wonderful. I mean, it was
amazing to me just walking in onMonday morning and seeing the group of students
in it just hit you in theface. Diversity, you know, the
across all sorts of parameters. Itwas. It was such a wonderful thing,

(23:30):
and I echo my kudos to theHartford for the role they played in
really working on that, you know, the idea of being involved in expanding
opportunities for some of these students whootherwise might never learn about the career and
never hear about it. It wasjust such a great feeling and just one
thing that really struck out to meDuring one of the weeks there was a

(23:52):
group product in one session that Iand I they were trying to figure out
how to increase attend and set theConnecticut Science center, okay, and I
was listening to one student who broughtin her ethnic background to suggest ways to
increase that attendance that I would havenever thought about given my background and upbringing.

(24:15):
And it just really struck me.And I was like, wow,
talk about the importance of diversity insituations where you have to problem solve and
generate ideas. It was really hitme hard. That, boy, here's
a clear example of the importance ofdiversity and practice. It's such a great

(24:37):
point. It's you guys can't seeus here, but we both had Dan
and Susan smiling over that, andyou know what, welcome each of your
feedback. Was there anything else thatreally stuck out to you this year specifically,
you know, or even just ingeneral. Dan will start with you
and then Susan, have you takethat question? Yeah, I mean I've
only done this couple a couple ofyears. I'm going to keep I'm going
to be doing it professionally from hereon. But yeah, one of the

(25:03):
one of the coolest things to me, and I imagine this happens every year,
is you see the students from dayone and you see the complete change
by the time Friday comes around.They not only are more informed, they
start talking about where they're going togo to college now, and like what
they want to do and what youknow, their their plan for exams.
They start talking, they start talkingeven a little bit like actuaries, and

(25:26):
they network with each other, andit's just it's incredible how quickly this boot
camp changes them. And to me, every single time I've seen it,
it's it's just blows you away.It's it's a big surprise every time,
but it's it's it's amazing thing.And the other huge piece of it with
the boot camp, the other bigsurprise to take away from this, so
to speak, is just the understandingthat this career is so dynamic and exciting

(25:52):
that you can see them get excitedabout it throughout the week, particularly with
the guest speakers, you know,and with a like teaching probability. He's
such an amazing teacher that something likeprobability makes them excited. It's very it's
well, if you're bringing cards,you're bringing in all these different things.
I mean, but it's fun towatch them glow, right, It's fun
to watch them grow throughout the week. Susan, anything happen, I think,

(26:15):
Dan, you nail that I can'tI can't embellish anymore because you gave
a real testament to what you seeand feel. They come in at the
end, we allow the students tostand up and give their thoughts about what
they camp meant to them. Atthe end of the cultination lunch, we

(26:36):
say usually in a nice, beautifulT twenty two of the Hartford, and
then it's beautiful. They feel veryspecial and and senior actionaries are there to
shake their hands as well. ButI think you a lot of times you
hear them, you know, Ididn't know what who I was like this
has helped me find out a littlebit of who I am. I love

(26:59):
that story, like I didn't knowwhat I wanted to be. But now
I think I'm taking this path.Some of them saying I am taking this
path that's even more rewarding, likeright when they say yes. Others are
saying, I felt really good.I've learned a lot, and I know
I'm on another path or a pathto come to the Hartford and work somewhere
else. We had one young womanwho was going to be an attorney.

(27:22):
She goes, you know, Ithink I said, okay, well,
let's let's hook you up on thelaw for with the law of parts attorney
many of our companies there, andsomeone who really did love the insurance industry
and didn't realize that now she couldwork in insurance law. So there's a
lot of great opportunities. But it'sthe stories that are so heartwarming. At
the end, these young young studentswere saying, I think I felt my

(27:45):
path definitely and really quick. Susan, we don't have much time left.
But the impact on the industry andyou mentioned number one concentration for actuaries here.
What is this program has been doingand we'll continue to do really for
the full industry here in Connecticut.You know, we look at this almost
says first of falso retention tool,as they said earlier, but also with

(28:07):
the lens of economic development. Youknow, we are growing our own talent
base and that competitively is really importantto us as we are the insurance capital
of the US and of the world, and we are trying to as we
recruit companies and ensure techs and FinTechsand companies to expand here, we say,
hey, well we've got a toolfor you to hire the best and
the brightest and so that becomes anenormous competitive advantage for us that we're not

(28:30):
going to give up a huge valueproposition. And for anyone listening who may
be interested in either themselves or inhaving a family member, or for the
teachers, how can they get moreinformation about next year? And when does
really the timeline kickoff for next year? We have it's on the website Connecticut
ifs dot com. You can scoreright there to get hired, sorry to

(28:52):
the actual way boot camp page,and there'll be a landing page where you
can say for more information. Applicationswill at some point live, but they're
not live right now, okay,kicks off usually early spring? Correct yet
around there? Okay? Yeah,February yeah, okay, so February twenty
twenty four will be the next opportunitythere for applications and certainly for teachers that

(29:14):
may you know in administrators, Dan, you mentioned that, but who want
to get more information? You know, they certainly I'm sure could reach out
to any of you. Yeah,absolutely, I mean, you know they
have our contact information from you know, even though the Hartford may or may
not be hosting this summer, hopefullywe are all of the people, Like
I said, Tia Jones, Danielde Shane, myself are all dedicated to

(29:36):
these students success in the career,whether they ended up at the Hartford or
not. Right, we just wantthem to be aware of the profession and
so we're all in a mentor mentalityand so have the Please reach out to
all of us about anything, anyquestions you might have. Yeah, I
don't I don't want to pull put, Dan, you know, an uncomfortable
situation. The reason why we haven'tcommitted. We have there's so many companies

(29:57):
that have race our hands and wewant to It's a great I've got a
cue twenty five, so it's nogood. It's a good problem to have
right now. Fantastic, Well,thank you all so much for being on
today. Dan, Susan and Andyreally appreciate the conversation and excited we need
to get. I think a groupof the former boot campers in here to

(30:18):
do a show in the future.I think that would be incredible, and
some of the mentors too, wouldlove to hear about how that program progresses.
I'd be fantastic, we'd love todo it. Wonderful. All right,
Well, for all the details abouttoday's show, you can visit metro
Hartford dot com. We would liketo say thank you to our show partner,
ok Hill, and of course thanksto you for listening. I'm Kate
Allman. Go out and make todaya good day here in Connecticut.