If you refer back to my submission, we did list out the size and scope of the 10 federally regulated mutual insurance companies. You will note that other than ourselves and one other company, the rest are very small.
In reality, to seek to do a sponsored demutualization of a smaller mutual, the costs of doing so would far outweigh the benefits of trying to make that acquisition. So, the threat that they're going to be taken over by the large companies is wrong. There is a real niche market for the small mutuals.
That being said, I also want to clarify that none of the surplus ever comes out of the company. When Economical Insurance demutualizes, all of the surplus stays intact. That seems to be a big misunderstanding.