Ronni: Hi. This is Ronni. I’m a senior associate at Graham Insurance Group. I’m going to answer one of your frequently asked questions, “Do I need an umbrella policy?” Ask yourself if you fall into one of these four categories. First, do you have a significant net worth above standard auto and home limits? Second, do you have young drivers in the home, because we feel they are at a greater risk for higher claim amounts? Third, are you in a profession that is perceived to have wealth? People tend to sue doctors and lawyers for larger sums. Fourth, do you travel frequently outside of the country? This policy will extend to areas which are not covered under standard policies. If you answered yes to one or more of these questions, sit down with your agent and discuss your options. Thank you.