Yes. The IFPA is an unincorporated partnership owned by the over 900 property and casualty carriers licensed to sell property and casualty business in Iowa. As an unincorporated partnership, these member carriers have unlimited liability for the claims and other expenses of the IFPA. The member carriers function as a reinsurance backstop. The IFPA has a policy of maintaining surplus to writings at or above two to one to maintain our ability to settle claims. The Governing Committee authorizes an assessment of its carrier members to maintain surplus as required. This happens about every 8-10 years but could happen at any time following catastrophic losses. Every year the IFPA has an outside financial audit, an underwriting audit provided by Nationwide and a claims audit provided by State Farm. The Governing Committee consists of experienced executives all based in Iowa. Additionally, the Iowa Insurance Division has assigned a liaison to help guide us as required by The FAIR Plan Act.