Why Mutual Companies Focus on You

What do you think are some of the common themes that develop at the mutual company level versus a company that is owned by stockholders instead?

I think the first difference, and I've observed this firsthand, is just the focus on clients. All of our time and energy is spent working to the benefit of the client. We don't have to spend time preparing stock analyst presentations and reports. We don't have to do analysis for shareholders and stock analysts. So there's a lot of overhead that goes with being a publicly traded company that we don't have. We're not spending that time and energy and money and focus. We direct all of that energy into the goods and services that we provide for our clients. And so we're very focused on providing great service for our clients, and we view it as our main differentiator.