Our mutual companies contribute greatly to the development of communities. They are located in rural areas and, as a general rule, although it is not always the case, they represent approximately three employees for every $1 million in gross premiums written. In rural areas, it is quite common to see companies worth $30 million hire some 90 people from the region.
Those can be jobs in underwriting, claims settlement, marketing and inspection. We are talking about very good and stable jobs in rural areas that sometimes experience some rather drastic economic changes. We play a significant role in the stability of the market, not only in terms of job creation, but also in terms of the products that we offer. Unlike stock companies that can withdraw from the market when times get rough, we stay and continue to offer our products.