Well, I think one of the most oft repeated issues that I see in construction cases is timing issues.  Unlike, for example, medical malpractice, where you have what we call a statute of limitations of four years, in construction cases every single claim has its own statute of limitations.  So, it’s a very unique area.  So, negligence, breach of contract, breach of warranty.  They all have a different timing attached to them.  So, it makes it very complex to analyze them, and it makes it challenging.

So, that’s the issue I see the most in the cases, what we call statute of limitations issues.