Thank you, Mr. Chair.
Certainly it has been a very interesting discussion today.
I actually want to go to you, Mr. Rudin, and go back to the process in the late nineties, of course, when our life insurance companies demutualized, and talk about what happened—the good, the bad, the lessons learned—and how that might inform things differently.
If you could reflect on that for us, I think that would be very helpful.