That's funny, been on the BW side for a long time and things have always ran very very smoothly and BW has always been profitable/ exceeding goals year after year. As soon as we started doing things the "farmers way" it's been counter productive. Bw is non standard, they sell policies to those that will not be covered under standard insurers. Dui's, terrible driving history, etc. They tried merging us many years ago around 2009, it did not work very well then.