In the past year we have witnessed a number of transactions in the life insurance industry. One of the largest was the sale last year of Hartford Financial Services Group, Inc.’s individual life insurance business to Prudential Life. That deal was a win/win/win. The transaction allowed Hartford to free up capital it felt could be better used in other areas. Prudential expanded its business line in a business it wants to be in. And the consumer won because the Hartford business and service has moved rather seamlessly over to Prudential. In fact, the Hartford name still exists in the marketplace, backed by Prudential, and is a very “competitive” product.