For some reason or another that's not giving me great comfort. Let me just ask Mr. Wu a couple of questions here.
It seems to me that when there is a business opportunity for merger or demutualization, or possibly even in bankruptcy, that the mutual policyholders seem to be able to jump to the head of the line, make the decisions, and leave the others holding the bag. So I don't quite understand what the opposition is to this particular amendment if in fact you're trying to level the playing field among policyholders.