I answered that question before. I don't know what the goal is for other companies, but ours is to make $0.04 on every premium dollar earned, which means that our goal is to pay $0.96 of every dollar. If we make more, it allows us to reduce rates and get more new customers, and to retain existing customers for a longer period of time. This is one of the reasons State Farm has been bleeding market share for years. They suck at underwriting. They pay out far more than they earn in premiums.