Can I try to answer that question?
Yes, indeed. Mutual insurance companies have a 75% market share of the farm market in Canada. Should they be taken over—because now it's possible to buy them, following the issuance of regulations that allow the demutualization of the companies—we're afraid that many areas of the country may not have the access to insurance that they have right now, and that is even more of a concern in times when the market is difficult, and we have such times in the market. We've had ups and downs in the Canadian insurance market, and the mutuals are always there to cover whenever the market becomes difficult. We saw that many years ago when we had such a hard market, and we, the mutuals, increased our market share when other companies were leaving the market because the times were difficult.
So you can count on these mutuals—they have nowhere else to go—to be there in difficult times. Should they not be there, or should the market change to be bought up by other companies, then the underwriting rules of the buying companies will apply.
For instance, not all companies would offer insurance for homes that are heated with oil. But we offer that because of course if we did not offer it we would not do business in rural Canada. Should we be bought up, it's possible there would be difficulties in finding insurance.