That includes our wholly owned stock subsidiaries where we, as a mutual company, actually own four federally regulated stock P and C insurance companies. Obviously they don't have a mutual policy. You can't possibly have a mutual policy in a stock company.
Furthermore, mutual policies were very hard to sell. As I said before, the historical requirements in the Ontario Insurance Act limited the types of mutual policies that could be issued to fire, livestock, and weather. So it was only issued on homeowners' policies, on your principal residence. We've never had a mutual automobile insurance policy, and that comes from the historical requirements of the Ontario Insurance Act.