I only have five minutes; I don't mean to be rude.
This is where I'm going to go with this, then. When I hold a mutual, do I receive a dividend? Do I ever see a payment? You're carrying $1.3 billion, approximately, in cash. Maybe that's right; maybe it's wrong. Let's use that number, anyway. I'm holding a mutual in your company.
First of all, what do you require to carry in cash? Do you need to carry $1.3 billion? Or is it only $500 million? Let's say, if it were $500 million, could you pay out the $800-million excess to the mutuals at that point in time?