Overall, Quebec's mutuals are in excellent financial health, whether we're talking about the Promutuel network, which you mentioned, La Capitale, SSQ, Mutual Management Corporation or the others. There are more than 50 of them in Quebec, and over 100 across Canada. Obviously the challenges that the life insurance sector is going through right now are making life tougher for those companies.
The Union of Canada Life Insurance mutual in Ottawa went under because it experienced some difficulties. Because of the very low interest rates, it is actually quite difficult for life insurance mutuals to maintain reserve levels. In contrast, though, homeowner's hazard insurance mutuals and farm insurance mutuals are performing extremely well. Quebec has insurance mutuals in the agricultural sector. They are in excellent financial shape.