21.   Insurance companies require policy holders to list their occupations.

22.   It is not a publicly traded company because it is owned by policy holders.

23.   It purports to be a letter from a policy holder to his insurance company.

24.   Judicial Watch sued on behalf of a State Farm policy holder, charging that the payment was an improper attempt to curry favor with the White House.

25.   Met Life and Prudential are both owned by policy holders.

26.   Most of the misallocation occurred when local governments miscalculated the incomes of policy holders.

27.   Not every policy holder was happy.

28.   One reason is that, while the bank is open to the public, USAA promoted it only to policy holders.

29.   Overseas policy holders will vote on the conversion into a public company by post.

30.   Other Prudential policy holders who have pursued their own cases appear to have done better, although settlement figures are confidential.