I'm not sure I can answer that question specifically. To the best of my knowledge, there has not been.
Mr. Taylor can comment on this, but my understanding of the Ontario mutuals is that they are probably the best capitalized of most insurance companies. They have a dollar of capital for every dollar of premium, and as you know, the statutory requirement is one to three.
I would suspect that a company might go out of business—and I can't talk about the history—but generally we are like any other insurance company. We are required to be reserved like any other insurance company, and like any other insurance company, I suppose there is a possibility of failure. But to the best of my knowledge, in my history that has not happened.
Mr. Taylor might be able to comment on that.