I'm not sure that this specific issue applies to The Co-operators. We're an entity that has about $10 billion in assets. We have about $3 billion in annual revenue. We're a relatively large institution. Our cooperative is not a regulated financial entity for the purposes of federal legislation. Our insurance companies are.
Having said that, what happens is that when the regulators come to look at our insurance company, they look at things in cooperatives to make sure that we're not doing “bad things”. I'll give you an example. I was listening to Mr. Butt's comments with great interest. There is a principle, which is cooperation among cooperatives. But you need to keep in mind that in an organization like ours, which has federally regulated financial institutions, where most of the money is, we have to run it in a prudent way. We cannot, for example, say that we like co-op housing, so we're going to invest $100 million in co-op housing with a .5% return.