Does it become a pricing advantage where non-top 10 companies can't compete because their cost structure is spread over fewer policies, creating a cost advantage, or is that not the case?

They're segmenting risk better than anybody else and pricing it better than anybody else. If you have a tremendous risk appetite, it could keep on going for Progressive because they're not going to slow down, and nobody's going to challenge them. The only question in my mind is how hard State Farm will want to retain the crown of being the biggest. They've been the biggest for, I don't know, 70-80 years.