There has never been an insolvency that has left any policyholder short of claims or unearned premiums among the Ontario mutuals.
We actually have a unique guarantee fund that's been established in Ontario. The capital of the mutuals collectively stand behind the insolvency of any one mutual, so each mutual does not stand on its own, from an insolvency standpoint. We essentially guarantee solvency as a group, and that is through the Fire Mutual Guarantee Fund, which was established in the mid-seventies