I think they gave up on the multi-state/multi-line strategy years ago. They used to talk about it quite a bit on the cc's, but then never progressed towards putting a plan into action. The problem now is the Monarch JV. It was a huge strategic mistake. FNHC overcapitalized itself and then didn't write any business in the JV. FNHC has all the expense and capital from the JV without any earnings. It will take too long to grow the JV to the level that they need to get the stock price moving. I think the only solution to boost the stock price is to sell the company. They could possibly get an acquiror to give them credit for the future value fo the JV, but I don't think the public market will.