The New Nomad

Global Health Insurance, Evacuation and Assistance Demystified with Scott Maras | TNN37

January 03, 2022 Andrew Jernigan and Allen Koski Episode 37
The New Nomad
Global Health Insurance, Evacuation and Assistance Demystified with Scott Maras | TNN37
Show Notes Transcript

Safety, such a big word these days. With the threat of Covid-19 still rampant, safety could never be more important for travelers. And it doesn’t mean just medical safety. Natural disasters, political unrest, terrorism are just a few that everyone traveling should be on the lookout for. Having a plan in place is just as important as your travel experience and Scott Maras, the owner of ITG Worldwide, is just the person who can help you plan your travels and get you prepared for anything else in between.

Scott joins our hosts, Andrew Jernigan and Allen Koski in another gold-nugget-filled episode of The New Nomad. They talked about the importance of keeping yourself safe and why insurance is vital for travelers. Our 3 nomads, who are all insurance people could not stress how important having international coverage is whether you’re traveling for business or leisure. This episode is truly an educational and practical guide for all who travel or want to travel so listen and jot down notes for future reference.

[:30] Ruiners: the best of something you can't get anywhere else

[7:13] It's good to have a plan in place

[13:57] Health and security is a traveler's priority

[17:51] Personal and business travel benefit in your coverage is important

[20:17] The role of technology in the insurance world

[24:23] Knowledge, planning in advance, and presence of mind will get you through emergencies

GUEST BIO:

Scott Maras is the President and Owner of ITG Worldwide insurance experts, a company that serves individuals, families, and organizations from small to very large. They work directly with clients and partner with clients’ other trusted advisors to deliver international benefits. The ITG Worldwide team has great memories from 25 years of working with clients at their kitchen tables, office breakrooms, and high-rise executive boardrooms.

Their clients are global for-profit and not-for-profit organizations, NGOs, educational institutions and their students and scholars, mission organizations, entrepreneurs and independent consultants, digital nomads, expatriate retirees, business and leisure travelers – and more! ITG Worldwide is based in the USA, but their clients are all over the world. People want to and need to travel around the world for many reasons: to live, learn, work, play, and explore. ITG Worldwide exists to serve them.


Scott Maras Links:
LinkedIn: linkedin.com/in/scott-maras-759a074
Website: itgworldwide.com
Facebook: https://www.facebook.com/profile.php?id=100071788821694


Follow Insured Nomads at:

Instagram: @insurednomads

www.insurednomads.com

Allen  

Hello and welcome to The New Nomad podcast. Scott Maras will be joining us today. He's an entrepreneur, he's an expert on global health care, we're gonna have a very interesting conversation for those of you out there who travel or moving overseas and want to stay healthy, safe, etc. But before we do that, we're gonna bring in Andrew Jernigan, my co host, and Andrew and I were having an interesting conversation the other day that we'd like to share with our audience, which is what we call ruiners. So how do we ruin our home experience by travelling somewhere that something was so good, you can never have it the same. And the examples I gave Andrew is, you know, when I went to Budapest, and I had, you know, some of the goulash there. It's nothing like the goulash I have ever had anywhere else or the mozzarella on the pizza that you have in Italy. So while I enjoy goulash, it's kind of ruined because you just know what the best is. So Andrew, want to share with us some ruiners is here and we invite our audience to interact with us at some juncture on maybe the ruiners that they have, but we were having quite a lot of laughs on things that we got ruined. And we'll bring Scott into we'll ask him in a bit for some of his.


Andrew  

Oh, yeah. Hi, everybody. It's it's great to have you on again this week. And you know what these ruiner are thoughts, I think to spend a lot of time in Brazil. And you know, the Brazilian steakhouse is one of those things that, you know, I people think about having some Brazilian food. Yeah, yeah, it's good. But those that cheese bread on the table, there is nothing like what you'd get in Brazil. It's just hard to get the cashew Minetta the cheese from meanness in the US and add that into that cheese bread on the table. I think back to German sausage. Yeah, it's tough to get good German sausage in the US and in other cultures. After you've had it there, it's it's not as easy to find some of those Thai food you know, it's it's not the same that mango sticky rice in Chiang Mai just stands out to me that, you know, it's it's not the same elsewhere. Mangoes aren't as fresh either. But you know, I'm sure we could all go on and on. And, you know, I remember in my 20s when I had pizza in Italy that just was so I'm like pizza had had all my life and thought, you know, that's, that's not, that's not the sausage I've had on pizza in the US is not the same. So you have to adjust your taste, I think of coffee. It's just not the same in other places. It's roasted different after they ship it in those containers. And you know, Scott, welcome, glad you're here with us today. Let's bring in Thank you, Andrew, it comes to mind with you.


Scott  

Well, the one that I have is I consider myself a bicyclist. I like to bike around. And when I was younger, especially I'd done some longer distance rides across the entire state of Iowa, something we call Ragbrai, which is a local newspaper sponsors that and thousands of us go across the state. So I've always liked to ride a bike, but went to Amsterdam several years ago, and just to see the culture entirely around bicycling, not just for recreation, but for commuting just for everyday life and to see the the traffic lanes have built to accommodate that. And then you come back to the United States. While it's improving in many areas, it was shocking to see how little regard there was for bicyclists, and no traffic control to help them remain safe. Automobiles dominate in the United States. And it was just shocking to come back and just see how oh, here comes a car. Get out of the way of the car, you know, whereas I think in other places, you know, bicycles and pedestrians have more. You know, they're just more respected.


Allen  

Yeah. Well, that's a great you know, it's a great ruiner because I remember Amsterdam, that was one of those amazing things you see a mother with children on the bike riding to school, etc. And it's a wonderful thing on there. But Scott, you you've had a great background, helping people when they travel overseas or move overseas. As somebody who's gotten them the best health care evacuation plans and giving, obviously, a ruiner of a different sort is when somebody is unprepared, goes overseas and maybe as a medical issue and evacuation issue. And I know we're going to talk about that today. But why don't you share with our audience a bit of your background because you're not only somebody who gives great advice, but you're an entrepreneur yourself because you run an agency that helps folks go overseas, etc. A little bit about yourself.


Scott  

Yeah, so came to the entrepreneur, element of my life later in life, I started off in a corporate environment working for large international brokerage, so did the kind of up through the ranks sort of thing. And then after a period of time, I find myself exploring opportunities, wanting to have more impact on an organisation. So when you're one of 30,000, it's difficult. But when you're one of 10, obviously, the percentages are better for you. And, and you can advance a little bit better. So I found myself in a wonderful, international focused agency that was founded in California and after a few years of working with the owner and founder there found the opportunity to acquire the agency from him. And so for about six years now, me and my team ITG Worldwide have been doing this specialty agency thing where we help clients and brokers who advise their clients with international insurance. So travel insurance, expatriate insurance, special risks, like kidnap and ransom, that kind of thing.


Allen  

So one of the questions that Andrew and I always get in this is, we'll take it two ways, first, from a business traveller a leisure traveller. What do most travellers forget? What what do you help them most with?


Scott  

Yeah, most most of the time, what we have to do is just remind them that they need to do something at all that they just can't get on the plane, and think that everything's gonna be okay, from an insurance perspective, or from a risk management perspective. I mean, most people go on a business trip, and understandably think I'm there to meet the client to help do sales, presentation, or leisure travel to have fun, right to go there for fun things and not for things that could go wrong. So as an insurance person, you know, we have to just help remind people that there's things that happen. And there's a reason you have health insurance when you're here at home. And in your home country. Here in the United States, there's a reason you have homeowners insurance, there's a reason you have auto insurance, when you go somewhere outside the US, you just need to remember that if something goes wrong, it's good to have a plan in place. And what we do is have those plans from a variety of different insurance companies that help them pay hospital bills to be evacuated, if they need to, to have even even little things, it doesn't always have to be an emergency, dire emergency. But if you need to have a prescription filled, or if you live overseas, and want to have some understanding of what the drug name is in Budapest as compared to what they call it in the United States, to have the resources available to help. So we're all about just trying to help with the risk side of things so that they can go and do what they want to do, which is either have fun or have fun doing business, that kind of thing. And if something goes wrong, you know, they have a plan there, and a team ready to help.


Andrew  

Scott, one thing that comes to mind, and I think you have you've dealt with this a bit in the last few years is that as the global workforce is changing, people who had thought, Oh, I'll move, I'll retire in some countries someday. And, you know, they're they're counting the years to go live in Costa Rica or, you know, move to Europe. But now they're seeing that, okay, I can actually do that sooner than I thought I can go ahead and keep working. Or move my practice, you know, if they're a law firm that can go ahead and keep working at their law firm, but do it remote. Right. Right. But they're going to their corner agent, their broker in theirs, in their small town are in their cities that doesn't deal with with cross border policies, saying what what do I get? And so I mean, we've even seen a farmers agent, get contracted with us, and add insured nomads, because they're somewhat captive, but they're not you know, they can they can represent other companies, even though it is it is farmers. Yeah. And, you know, it's one of those things where this the corner agent, those folks in the strip halls, those folks in the office parks that generally deal with local and regional are getting faced with, yeah, how do we help these these companies that suddenly have one or two people? Yep. Or the individual that says I want to go. And the changing face of the workforce, I think is going to turn that way more and more to where people are going to say, Okay, how do we get contracted to even serve that? And you met that need, also? Yes, I believe


Scott  

yes. So a lot of what we do when we go out to the world to let them know we exist and that we're here to help is to go to brokers and agents, like those you just described Andrew and we have an ability and a willingness and a desire to to help that person that man or woman who's trying to serve their client with, you know, they don't maybe get a lot of exposure, they don't want to become an international expert. So we are helping them and and there is a mechanism in our organisation to help bring them on, so that we can have the entire suite of products available for them. But to to your point about the the changing nature of the workforce, we're seeing that all the time. In the past, maybe many years ago, 10 years ago or so, I would be contacted or someone on my team would be contacted about employee benefits. And we needed an employee benefit for this group of people around the world. And we would be able to help and we still do today, oftentimes with a group health insurance product built for expatriates or for people on the move around the world. More and more lately, though, what I'm getting is, well, we have people around the world and their employees sort of, they might be more of a contract employee, or they're very independent, and one size fits all doesn't work for them. And so we are seeing more and more a one to one approach where someone on my team might work with an employee somewhere in the South Pacific, because they just think that that's a great place to work and I agree that would be really great to work there. But they might be one here in Eastern Europe, one in the Middle East, one in Singapore, some in the, you know, the South Pacific. And so we can go one to one to one to have them, help them get the right insurance plan. So employees are shifting definitely towards a more of a consultant mentality. And different insurance solutions are needed to to help. Yeah, and you don't need to retire to travel the world anymore. We have a lot of clients that are younger than me that are out there doing their thing, by themselves enjoying life. So that's always encouraging and kind of fun to work with people like that. 


Allen  

You know, you know, Scott, you brought up a great point about in the past, when I was in a corporate environment. I had a risk department that looked after me a benefits department looked after me, I had the perks of a large company. And people that are location independent, and maybe even corporate independent, because they're on their own. They need to bring all those component pieces together. And they need to go to somebody like you because they don't even know what they're missing. And I'll give you a great example is we've had a lot of people over my career who have had a medical issue overseas, and they neglected to buy like evacuation coverage. And evacuation coverage relatively inexpensive. But they needed to be moved to an appropriate medical facility, which can actually sometimes be a lot more expensive than even the medical issue at hand. Maybe you could comment on some of the things that are left out that that I know you see the evacuation sometimes people forget some of the mental health issues, and also how healthcare now, a lot of companies countries want to see a visa letter or a certain level of benefits before they let you work there. It's getting kind of complex help us out with that? 


Scott  

Well, yeah, and then a few examples of that, I mean, many times, at times, multiple times in a month, I guess is is how I describe it. We work with our clients to work with the insurer to give them the certification letters they need, you know. When they move around, and this is starting to happen more as COVID recedes here, as we move through the fall. People need to prove they have good health insurance, they don't want to be a burden, they can't be the country's won't let them be a burden as they come in to visit or to work or to live. And so it's something we've always done. And it's going to be even more and more necessary and an activity that our team will have to do. And we hope for that because that means that people are moving, and the world is vibrant and active again. So there's definitely that I think that people sometimes forget too that, even if they're savvy enough or sophisticated enough or experienced enough to travel and know that they should have some health insurance in place, right, they might slip and fall, they might eat some food and not so with them very well and they need to go to the doctor. But what is often not thought of are the security elements. So we also help our clients with what I would call a security or political assistance or evacuation, we found a few different sources for that. But what that really means is you could be fine, you could be working, maybe doing mission work, for example, in a part of the world where we're, you're fine, you didn't get hurt, you didn't get sick, but the tsunami hits or the volcano hits or there's political unrest, for whatever reason, it might mean that the government isn't stable and so you need to leave or you and your group need to leave and so a security assistance. Benefit is something that also is important that isn't always thought of sometimes things happen in parts of the world that don't seem politically unstable. But you know, Japan can also have earthquakes tsunamis, and and and you need to get out of there and to have a benefit that takes care of that because it can be huge. financial burden, if you don't have that taken care of to pay for it, because you're going to pay a high price, right? Because resources are gonna be very limited during a crisis situation. So there are a lot of things to think about in addition to health, and welfare, and some of those are just security and making sure that you're okay, even if you're not sick or hurt.


Andrew  

That's, that's good. I, you know, one thing that I ran into recently, I was on the phone with a consultant. And he mentioned that Oh, and about nine days, he's going to Croatia. And I said, Oh, interesting. If you have you got an insurance for your trip, he said, Oh, no, I don't need to I have it with my credit card. So I was like, oh, that's, that's amazing. That's great. What credit card Do you mind if I check? Because you know, I'm always comparing the benefits that come with these cards. So we pulled it up. He said, Oh, it's a Chase Freedom card, open it up. And it said travel assistance, you know, get help with referrals to hospitals. He got trip delay and Chip cancellation money. But there was no health or medical in those benefits. And he was shocked because he thought, oh, you know, it's a it's a high level credit card, and it has all this, all this stuff that he had never really looked into the details on. Yeah. And even if it did, it wouldn't cover a heart attack and evac out, you know, it would it would provide some minor that's secondary to insurance. And, you know, there's that, but there's also what's your take on how that business travel accident, the travel insurance that most companies have? Yeah. Or when employees are on business trips. Now people are saying, you know, I'm going to go on that trip, but I'm going to stay for an extra week. Yeah. That extra week is they may do some work. But there's a lot of personal time in that. Right. And that's very controversial. But companies have a travel policy that is not just business travel in this new age. Which What's your take on that?


Scott  

Yeah, my take on that is that, absolutely. That's an issue that we see a lot. It's a big part of what we do when when we do our consultation with clients that do group travel. So any sort of organisation of any size that has people going around the world doing business or for business or leisure needs to have, first and foremost, they need to have an insurance plan in place. And when they come to us, they already typically have that education, they already know they need it. So then when we get down to the details of what the benefits are, we always ask for and almost always instal what we would call a sojourn travel or personal deviation benefit. It's very common, especially with our our smaller clients who tend to be owners that tend to combine a business trip with personal travel, I do that all the time. I mean, if I can do business, while I'm enjoying a vacation, or if I can add a vacation onto a business trip, I always try to take that opportunity and bring family along if at all possible. And you have to have a benefit that accounts for that. So that if the business meeting is over the conference is over, that you have benefits in places cake care of the spouse or the children you might bring along with you. Because that's maybe when something will happen. And if you don't have that that's a real big oversight. So absolutely something we say, absolutely something that we advise our clients to add, so that they have that personal travel benefit. Even if they're on a business trip.


Allen  

I take away that the information component is so important to programmes to because I've had the questions many times like why do I need travel medical? Well, if you forget your prescription drugs, they might be called something different. And here's how it's it's described there. Boy, yeah, if you travelled with a certain prescription, you might even be illegal in a given location. And you might find yourself in an issue there. But what I find a lot of folks don't understand is you probably shouldn't be asking the concierge for the direction to the favourite hospital or clinic. Yeah, a lot of times it's because the concierge is local. They may know but they don't know where the right hospital that maybe there's English speaking or whatever your low GRE nationality used to handling expats, business travellers, leisure travellers on that, talk a little bit about the information flow. You know, Scott, and I think technology has made a big difference now, because with the phone technology we have now, the difference between the way we travelled 20 years ago and the way we travelled today is so different and just even think about, you know, when the first time I went to China, I didn't even have a phone, and I had everything written out. And now I have geo positioning tools, etc. What's your take on that and making sure that people have the right app, and the support and your tools on their phone? Yeah.


Scott  

So Yeah, like you, Alan over, over the years of doing this have gone from having things be on paper, you know that we send in the mail to being email to being, you know, phone apps, right. And so the best the best insurers are doing the better technology, right. And so over the last number of years, there's been a huge increase in the assistance and the capabilities that you can have in a mobile phone. You know, before that, it was website, you know, and only website based so they evolution has gone to where you carry in your hand the information you need. And the the best examples, I guess I can see of that are, are with some of the younger people that you know, the student travellers that are going out, they totally expect that. And to be able for as a parent to be able to monitor through the technology, you know where your kids at and, and to know that they have good insurance solutions in place. And it isn't, it's the little things I like the the technology and the the information that is available. That's the most important part about having any kind of good insurance plan, the claims getting paid and things later on that is that's, that's very important. But what is most urgent for a traveler or for a family member, caring about that traveler, when they're far away is what happens if right now, if something bad happens, if there's a slip and fall, if there's any kind of emergency, if there's a sickness, what can they do, and to have a great technology available, so that you don't have to rely upon the concierge or the front desk or even, you know, to trouble a business partner you're with, maybe you're visiting a client, you really don't want to go to your client necessarily and say, he'll help me. So good technology, the best insurance companies now like you guys have that technology to help a person carry that peace of mind with them. And so it's just changed so much from being on your own completely to maybe hoping I could log into a website being had to being able to have a phone to view translation of languages, prescription drug information, where do I go, if I get hurt or sick? These things are, it's amazing how it's changed over the years.


Allen  

Well, it changes everything from a proactive basis, from a reactive basis. And what I mean by that is, I'm thinking about a case that I was on a trip, and a person slipped and fell and hit their head. And the local doctor looked at him said, Ah, you hit your head, go back and take a nap. Or take it and we're like, Absolutely not, right, because if you get a concussion, it could lead to a lot of and we dialled up the medical team and got some advice and went off to a clinic. And they were they were observed. And, you know, to me that that was avoiding that was proactive, avoiding somebody, somebody taking a nap, that's not exactly the right thing. Or I think if a time that travel was somebody who started with a very what they thought was just an itchy eye. And because they were getting the right direction, they're like, Well, I'm not going to worry about until I get home, and then it turned out to be quite an eye infection. And it really affected the trip, but then reached out and found a really great eye professional, etc. But it could have been taken care of before the trip was ruined. If we had just gotten to that eye doctor in that country at the time. So maybe, you know, I know, Andrew, I know you, Scott, we all want to be proactive and have people avoid that issue. And to me, that I think, don't you think that's one of the biggest changes out there is in the past? You'd call your carrier or your partner and say, help me pay my claim? Well, it's already too late. Now you call and say, can I talk to somebody like telemedicine and and get, you know, some other advice here? Because I'm not quite sure I'm buying what these people are selling? Maybe some of your thoughts or some of the stories that you've run across or, and then we'll we'll have Andrew comment because I know Andrew, you've been in Ghana, and you've seen this firsthand. You first, Scott.


Scott  

well, from a proactive standpoint. Yeah. It's one of the best virtues of having information with, you know, available from having a good insurance plan is to be able to plan in advance. And that's one of the things that we help our clients do just getting the insurance and thinking about that is a great first step because they know they need to do something and then to actually think about where I'm going and to look at the resources available and not rely upon reacting at the moment when you're in a different location. So I've seen an evacuation. You know, I probably a better term for it would be a relocation situation where a group of people went out that were insured by us, they ended up one person getting surprisingly sick for no reason, they couldn't tell what was going on. And that's a scary situation. The process kicked in the insurance company Assistance Team kicked in, they did a great job. But what was necessary was to move them across town to a different healthcare location to a different hospital. And to be able to have that sort of quick communication through the digital apps that were available, and everybody has mobile phones, thank God, because everyone was able to communicate. And it was, it wasn't really a matter of one of the person people in the group had enough knowledge to not rely upon what they were being told in the circumstance. And they we concurred with, or had a consultation with a medical director from the insurance organisation, everybody got together, and we're able to move them across town to better circumstance, better care. So knowing that in advance, you can't plan for everything, but to be able to as as people who would listen to us talk and to think about insurance, and to prepare for travel, do that planning advance, not to get preachy, but if you can plan where you're going and know if something happens, I want to end up over here at point A, instead of point B, the great resources available from a good insurance company will help you do that planning in advance, so that hopefully you never need it. But when you have something happen, you've got to plan.


Andrew  

Yes Scott. One thing that can that I want to ask. And we ask this to all of our visitors. And so there's several options with this. But tell us one overlooked person, place, experience, even book that you think that our readers should, should know about?


Scott  

Yeah. Well, you know, what, if I may be so indulgent, I have two, and I'm doing really quick. Okay, so first of all, I'm fortunate enough, ITG worldwide is fortunate enough to have a client located in Duluth, Minnesota. So Duluth, Minnesota is in the northern part of the United States on the shores of Lake Superior. It's a wonderfully vibrant community about 80-85,000. There's a lot going on there. So in the process of having that client in aerospace, aviation client, got to travel up there, there's wonderful hiking, there's wonderful freshwater, fishing and beaches. And so it's a gem up there. And then really quickly, second, Des Moines, Iowa hometown headquarters, ITG Worldwide, there's actually some really good things going on around here. And not just the, the Iowa sort of things like the state fair. But we've got the Laurenson skatepark, which was the location of the only Olympic trials for skateboarding. So Des Moines, Iowa, Olympic trials, skateboarding, okay, and just put your mind around that we've had hundreds of people come in from around the world. And it's not one of those checklists, things for skateboarders. So if you're a skateboarder, you have to end up in Des Moines, Iowa, eventually, because it's the largest one right now in North America. And it was the Olympic trials were held last May. And then we've got the World Food Prize here, which is the Nobel Prize for food food technology for those that advance the availability and the accessibility and the quality and quantity of food. So we're lucky every now and then to have a lot of really interesting international people come here. And so we think that that's pretty cool. So visit Des Moines, visit Duluth to great places.


Allen  

Fantastic. And as someone who has visited you in Des Moines, Des Moines is a capital city. It's a wonderful city. Fantastic food. I I totally agree. And well, I'm an insurance person who is scared of skateboarding because I know that I would probably end up in the hospital. Yeah. I'd love to watch people do it because it's a magic talent to watch. So thank you today, Scott, for joining us and, and really covering, you know, the spectrum of protecting people and just to take away I mean, I've heard making sure you have some travel medical place, you have evacuation for medical, natural, disaster, political, you want to make sure that you have really good information on the front end. I learned a lot about you know, you're going to need to have some sort of information on visas, etc. That just that's just tremendous feedback points. And one of my little travel tips, then you touched upon is before I ever got to a city I would already know where the expat hospital would be something were to happen to me a wonderful thing So Andrew, I learned a lot today I'd love you to share what you you learned and present perhaps a few tips that you have also where travelled to keep yourself out of trouble but Scott hit so Many of them, I feel safe already.


Andrew  

Yeah, one of those things that stood out to me and this, this goes back for me 20 years. One of my concerns that, you know, when I wasn't a feature of the insurance I had, and it still isn't, and for many of the companies, but one of the things that they brought up is the safety, security, relocation and evacuation. That is easily accessible. You know, having a policy that has a has an app with an alert button, with a an easy way to reach an alarm centre, that's going to get him to safety, I think is so crucial in this day and age because the world shifts instantly. And you're in a culture you're not familiar with and need to get help. And the locals are panicking as well in that moment. So it's not a time when they're thinking about you. They're thinking about their family, how to get them to safety. So you need somebody else that's outside that area that can say, Okay, we've got people that we can get boots on the ground to help you. So that's, that's one of the things he touched on that and it goes to my, you know, one of my key values there is, is having that, that safety component so readily accessible. This has been fun, because we hit a lot of different things that that people need to be aware of. So Thanks, Scott. We'll have it in the show notes on where people can find you. The best place is probably your website, right?


Scott  

That's right. ITGworldwide.com.


Andrew  

Okay. Well, thank you, everyone. Allen. Yeah, one thing else on your end?


Allen  

Yeah. One last thing that you touched upon is the panic button that we do have in the app is something that I know Andrew, you and I are very passionate about because we have a lot of students and a lot of people travelling in places they're unfamiliar. And it's great to know that if you hit that within 60 seconds, the cavalry will be reaching back to you. The figurative cavalry so we want to keep everyone safe and traveling out there. So please, people keep traveling. We appreciate you listening to the podcast. We look forward to comments in the future also on ruiners. So once again, thanks for joining us and we look forward to hearing from you again in the future and we thank Scott yet again.