Jack Reed actually said...

I think, going forward, we have to be careful not only about reviewing the ratings, but we also have to be very careful about having a consi...

Well, what's the base?

Well, frankly, we're having a discussion about firms that go to the Street and say, 'Our strategy is, we're going to deny claims and raise p...

So, there's no distinction between a for-profit insurance company and a not-for-profit insurance company in the way they operate.