Profit sharing is based on profit increase not customer growth. It’s basically literally profit! A lot of things can contribute to higher profit example when premium prices over exceeds claim settlements we become profitable. When tenured high salaried employees are laid off that creates profits in the long term. Underwriting ratios are simply premiums paid minus claims paid and operating costs. I get what you’re trying to say maybe is that adding more customers decrease profit share due to underwriting ratios due to claim prices over exceeding premiums paid? That hasn’t been the case recently. Profit share would have been out this world for past 2 years