Just building on Mr. Lowery's last point, when you look at where cooperatives and mutuals and reciprocals come from, they are essentially individuals showing initiative but acting as a group when there is really no profit motive. There is no one in the profit sector willing to deal with many of the issues individuals are facing. I don't think we should lose sight of that fundamental cultural value that drives all of the organizations that are appearing before your committee.
On July 10th, 2012. See this statement in context.