It's a first step in the right direction for Old Mutual.

We've been working on this for months, but this is the first step for consumers. They are merging into our network and into our rate plans. The next step will be changes in billing and in the name of the company. That won't happen until sometime next year.

It's the first step to federal recognition of credit freezes.

If anything, I think they (Liberty) were even stronger on the new business front than I was looking for.

Many of our independent agents perceived us as lagging behind other insurance companies in technology. There is a lot of competition, especially in commercial lines, from national carriers that have bigger technology budgets than we do, which could potentially result in adverse selection by our agents.

The firm I worked for had just taken on women for the first time. That was a bold step. But no blacks, ... You go into that firm now and it's full of all sorts of people. There's definitely been a change. There's definitely more social mobility now, among our students.