1.Actually it is like this. There is some difference between W.P.A. and F.P.A. The F.P.A., clause does not cover partial loss of the nature of particular average, whereas the W.P.A., clauses cover such losses when they exceed a prearranged percentage. This

2.They do. I see that your customer retention figures are the best in the company. You exceed sales expectations by eight percent. And your gross sales are up about ten percent for the second year in a row. Very impressive.