Income from premiums and interest is up nicely from year ago but the changes in fair value of FVTPL assets is very different from this quater last year(2011) plus 1,538,000,000 versus minus 274,000,000 in 4th qtr 2102.  Looking back this number flucuates wildly by qtr dont think anyone, analyst or not, can forcast what its going to be. Dont know if the total revenue number is even worth following.