It is our view that the mutual policyholders benefit by selling their ownership interest. They have a legitimate, legal claim and right. They're selling their ownership interest, and they will receive some funds. It's premature to speculate on how it would be allocated and what the actual amount will be until we have regulations, and until we're closer to the marketplace where we would complete the demutualization.
Those mutual policyholders are benefiting because they put forth their guarantee in the form of a premium note, and they did not take the distributions they were entitled to.