Demutualization se convert from the mutual form to a capital stock or modified capital stock form og the most important motivation is to access capital and the desire for diversification 29日星期四 【暂2011年9月29日星期四 8 Demutualization Demutualization � convert from the mutual form to a capital stock or convert from the mutual form to a capital stock or modified capital stock form modified capital stock form � the most important motivation is to access capital the most important motivation is to access capital and the desire for diversification and the desire for diversification