Well, the mutual community. They don't own the company.
This is the surplus of the company we are talking about. Once the money is transferred to the surplus of the company, it is owned by the company and not the policyholders. The policyholders use the services of the company, and for the time that they are the users of that company, they can control what the company is doing, but they don't own the surplus of the company. That is owned by the company itself.