It seems like a great Q to me because overall profitability of both insurance units for nine months (revenues of $27,462; expenses of ($14,373+3,727+5,594)) and of sales and service revenues ($70,181, expenses $49,409) is excellent. Q3 alone is almost the same; revenues are excellent related to last year Q3. Profitability is generally going up as the economy picks up. If Q4 holds up, it will be a great year. And, no profits from Heinz have been included yet.