At this point in time it's too difficult to estimate the total value that outside investors would be prepared to pay for Economical. We have refrained from speculating on that on purpose, because individuals, like the reporter in the National Post, incorrectly make assumptions and calculations. It is also dependent on the actual demutualization rules.
We would expect there would be a formula that would comprise a fixed component that would relate to the policyholders losing their voting right, and a variable component, which in our submission to the Department of Finance, we suggested would likely be weighted on a number of factors. From looking at our business, we would think the duration that the policy had been in force is a very important factor.