Fall of the hammer insurance is an important risk mitigating undertaking for us to protect our investment and that of our clients. Post sale we deem our yearlings to be at the highest risk as many for the first time live somewhere outside of the farm they were born and grew up on, many of these locations with far greater on-farm activity than they would be accustomed to. They also interact with new people who have facilities, systems and processes different to what our yearling may be used to.