On the fishing side, you may know the Pacific Coast Fishermen's Mutual Marine Insurance Company. In its case, I think the gross premium written is about $5 million. Every cent of its benefits is returned to its members. It has enough capital accumulated over the years so that when it does business with its members and it makes a profit, it returns 100% of that profit to its participating members. That's an example of a company that will be affected negatively.
On May 15th, 2017. See this statement in context.