The Economical Demutualization: What About the Rest of Us?

Marc-Andé Pigeon

Do investors in a mutual have the right to cash in on a windfall created by previous generations?

The members of Economical – the Waterloo, ON-based property and casualty insurance company – gave the green light to the company’s demutualization in a vote on March 20, 2019. The business press says the move will be a “windfall” and “lottery” win for 878 owners, who could each pocket as much as $430,000 on an “investment” consisting of a three-year insurance policy (see here, here and here for background).

From a co-operative and mutualist perspective, it is tempting to see this process as a form of massive inter-generational wealth transfer. Why should a small band of owners benefit from accumulated wealth in a company that was started more than a 100 years ago by a group of hardscrabble farmers who put in countless volunteer hours making it into something?

In some provinces, like Quebec, this understanding is baked into co-operative and credit union legislation, which explicitly captures the idea that the accumulated net wealth in a co-op/credit union belongs to the broader movement or society, not the individuals who happen to own the co-operative at a point in time. This and other demutualization considerations are discussed at length in this Centre report.

 

It Could Have Been Worse

Still, the Economical wealth transfer could have been much worse. When Economical first proposed to demutualize, those 878 policyholders stood to pocket $1 million or more. Then the federal government put in place rules that forced Economical’s 878 mutual owners and their board of directors to consider not just the interests of non-voting insurance policyholders but also the legacy of previous generations of policyholders.

The result? Economical’s demutualization plan promises to set up a $100 million charitable foundation – the Economical Insurance Heritage Foundation– that recognizes the “contributions that Economical’s subsidiaries and ineligible and former policyholders have made to the value of Economical.” This is a peculiar and interesting outcome – taking an essentially democratic institution and moving much of its accumulated value into a largely unaccountable philanthropic organization. But there is another big issue here: if by setting up the charity, Economical is explicitly recognizing the value of the people who came before, how can they justify a demutualization process that benefits so few people today? And what is the underlying policy rationale for letting this happen?

 

Cold, Hard Business Decision

It’s simply a cold hard business decision says Economical, an argument that Ottawa policymakers seem to have accepted. The insurance industry is consolidating and the only way Economical can stay competitive is to go big (by acquiring another insurance company) or go home (wind-up). They need to be able to issue shares that trade on open markets to fund acquisitions or grow the business. In a mutual, owners hold home or auto policies, not shares. When those policies expire or lapse, so does the ownership interest. Not very good for raising million dollars or for shopping a company around as a takeover target.

But of course, this configuration was by design. Many of the people who set up mutuals and co-ops believed it was important to build these companies so they would grow organically, slowly, and remain firmly under democratic control: one policyholder, one vote, responsive to the local needs of members or policyholders. For many early co-op and mutual activists, experience dictated that growing too fast threatened the very foundation of the co-op and could, as a result, put all their hard work, the legitimacy and the co-op / mutual brand at risk.

Economical’s 200+ page informational circular exposes the tension between this understanding of the mutual’s historical legacy and the desire for Economical’s 878 owners to claim their windfall. Early in the circular, Economical looks at five alternatives to demutualization. In each case, it emphasizes that it rejected the alternative because it did not provide a “mechanism by which the value of Economical Mutual could be distributed to its policyholders in a manner similar to the demutualization process.” In short, none of the other options delivered on the promised windfall.

 

A Precedent

Whatever the merits of the Economical demutualization, it sets an important precedent. By requiring Economical to set aside a portion of the sale to a foundation, the government has required future mutual or co-operative demutualizations to take into account the legacy of the past and the promise of the future. Maybe this precedent and the understanding of the inter-generational nature of mutual and co-ops is the real payoff from the Economical’s demutualization.

 

Marc-André Pigeon, Director and a Strategic Research Fellow,
Canadian Centre for the Study of Co-operatives

“Windfall” cover image credit

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  113. İnstagram takipçi satın alarak takipçi sayınızı arttırmak sandığınızdan çok daha kolay. Websitemizi ziyaret edin ve takipçi satın almak için paketinizi seçin. Ödeme yöntemlerinden dilediğinizi seçerek, güvenilir instagram takipçi satın alın. Hadi sende gel ve takipçi satın alarak, takipçi sayını arttır.

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  115. En güvenilir takipçi hizmeti ayağınıza kadar geldi. Takipçi, beğeni, izlenme siparişiniz 5 dakika’da alınır ve hesabınıza hemen teslim edilir. Sizde instagram takipçi satın almak için tıklayın ve ucuz takipçi satın alarak, takipçi sayınızı ikiye katlayın.

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  118. İnstagram’da yükselişin kolay yolu takipçi satın almak. Sizde hesabınızı daha hızlı bir şekilde yükseltmek için instagram takipçi satın alabilirsiniz. Websitemizi ziyaret ederek, bizimle daima iletişime geçebilir ve instagram takipçi satın alma işleminizde yardım alabilirsiniz.

  119. Takipçi satın almanın keyfini instagram takipçi satın alma sitesi ile yaşayın. İnstagram takipçi satın alma son zamanlarda çokça tercih edilmektedir. İnstagram takipçi satın almak için bizi tercih etmeniz için sebepler; Güvenilir takipçi satın alma sitesi, ucuz instagram takipçi satın alma ve 7/24 instagram takipçi satın alma hizmeti sunmaktadır.

  120. İnstagram takipçi almak artık çok basit! Kolay instagram takipçi satın almak isteyenlere özel sitemiz sizlerle. İnstagram takipçi satın almak için güvenilir ödeme yöntemi ve 7/24 canlı destek ile güvenilir takipçi satın alın. Paketlerimiz ucuz instagram takipçi satın al paketlerinden oluşmaktadır. İnstagram takipçi satın alın ve hesap profilinizin kitlesini arttırın.

  121. İnstagram hesabınızı canlandırmak için, türk takipçi satın alma sitemizi ziyaret edebilirsiniz. En güvüvenilir ve en hızlı şekilde siparişleriniz tamamlanmaktadır. Faturalı hizmet ile resmi bir şekilde takipçi satın alabilirsiniz. İnstagram 100, 500 veya 1000 takipçi paketlerinden hesabın için seçim yap ve takipçi satın al.

  122. İnstagram takipçi satın al hizmeti ile takipçi sayını arttırmaya başla! Türkiye’nin en güvenilir instagram takipçi satın alma sitesi ile takipçi sayınızı arttırmak çok kolay. Güvenilir ve ucuz instagram takipçi satın alma paketleri sunan sitemiz ile güvenilir bir şekilde hesabını yükselişe geçir! İnstagram güvenilir takipçi satın almak için sitemizi ziyaret edin.

  123. İnstagram’da takipçi satın almak bu kadar kolay olmamıştı. En kolay ve en hızlı instagram takipçi satın al paketleri ile sende buluş. İnstagram takipçi satın alma paketlerini hemen kullan ve hesabını yükselt! İnstagram takipçi satın al için en güvenilir site için linke tıklayınız. İnstagram takipçi satın alma ucuz bir şekilde gerçekleşir ve sizi popüler hale getirir.

  124. İnstagram takipçi satın alma konusunda türkiye’nin lider sosyal medya ajansını denediniz mi? Sizde instagram takipçi satın al hizmetini ucuz bir şekilde kullanmak için hemen takipçi satın alabilirsiniz. Türk, gerçek, aktif, güvenilir ve en ucuz instagram takipçi satın alma hizmeti ile yükselişe geç. İnstagram takipçi satın al ve takipçini rakiplerine oranla arttır.

  125. İnstagram hesabınızı daha fazla kitleye ulaştırmak için sizde instagram takipçi satın alabilirsiniz. Türk ve gerçek aktif takipçileri profilinize hızla gönderin. Faturalı ve kurumsal alışveriş ile güvenilir takipçi satın alın. Hadi sende durma ve instagram takipçi satın almak için takipçi paketlerimizi incele.

  126. İnstagram organik takipçi satın al hizmetimiz ile hesabını yükselişe geçirmeye hazır ol! Güvenilir, ucuz ve organik instagram takipçi satın al hizmeti sunan sitemiz ile kaliteli takipçi satın alma paketlerinin tadını çıkar. İnstagram takipçi satın al hizmetimizi kullanmaya başlamak için 4 yıldır hizmet verdiğimiz instagram takipçi satın alma sitemizi ziyaret edebilirsiniz.

  127. Türk takipçi ve güvenilir takipçi satın alarak takipçinizi yükseltebilirsiniz. Sizde sosyal medya uygulamalarında daha fazla beğeni, takipçi ve izlenme için takipçi satın alabilirsiniz. Hadi gelin ve instagram takipçi satın alarak takipçi yükseltin.

  128. Güvenilir instagram takipçi satın alma sitesi ile takipçi kazanmaya başla! 4 yıldır güvenilir ve kesintisiz İnstagram takipçi satın alma hizmeti sunan sitemiz ile sen de takipçi sayını arttırmaya başla. Ucuz ve aktif instagram takipçi satın al servisi sunan sitemiz ile profiline organik takipçi gönder. İnstagram takipçi satın al hizmetimiz ile hesabını geliştirmek için instagram takipçi satın alma sitemizi incele.

  129. Takipçi satın almanın keyfini instagram takipçi satın alma sitesi ile yaşayın. İnstagram takipçi satın alma son zamanlarda çokça tercih edilmektedir. İnstagram takipçi satın almak için bizi tercih etmeniz için sebepler; Güvenilir takipçi satın alma sitesi, ucuz instagram takipçi satın alma ve 7/24 instagram takipçi satın alma hizmeti sunmaktadır.

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  131. İnstagram hesabınızı canlandırmak için, türk takipçi satın alma sitemizi ziyaret edebilirsiniz. En güvüvenilir ve en hızlı şekilde siparişleriniz tamamlanmaktadır. Faturalı hizmet ile resmi bir şekilde takipçi satın alabilirsiniz. İnstagram 100, 500 veya 1000 takipçi paketlerinden hesabın için seçim yap ve takipçi satın al.

  132. İnstagram takipçi satın alma sitesi ile takipçi arttırmak artık çok kolay! İnstagram takipçi satın al paketlerimiz ile takipçi sayınızı güvenle yükseltebilirsiniz. Güvenilir ve ucuz instagram takipçi satın al hizmetimiz ile tanışmak için sitemizi ziyaret edin. İnstagram takipçi satın al hizmetimizi denemek için güvenilir instagram takipçi satın alma sitemizi inceleyin. En güvenilir instagram takipçi satın alma paketleri sadece sitemizde.

  133. Takipçi satın almanın keyfini instagram takipçi satın alma sitesi ile yaşayın. İnstagram takipçi satın alma son zamanlarda çokça tercih edilmektedir. İnstagram takipçi satın almak için bizi tercih etmeniz için sebepler; Güvenilir takipçi satın alma sitesi, ucuz instagram takipçi satın alma ve 7/24 instagram takipçi satın alma hizmeti sunmaktadır.

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  135. İnstagram takipçi satın alarak takipçi sayınızı arttırmak sandığınızdan çok daha kolay. Websitemizi ziyaret edin ve takipçi satın almak için paketinizi seçin. Ödeme yöntemlerinden dilediğinizi seçerek, güvenilir instagram takipçi satın alın. Hadi sende gel ve takipçi satın alarak, takipçi sayını arttır.

  136. Güvenilir instagram takipçi satın alma sitesi ile takipçi kazanmaya başla! 4 yıldır güvenilir ve kesintisiz İnstagram takipçi satın alma hizmeti sunan sitemiz ile sen de takipçi sayını arttırmaya başla. Ucuz ve aktif instagram takipçi satın al servisi sunan sitemiz ile profiline organik takipçi gönder. İnstagram takipçi satın al hizmetimiz ile hesabını geliştirmek için instagram takipçi satın alma sitemizi incele.

  137. İnstagram takipçi satın alma sitesi ile takipçi arttırmak artık çok kolay! İnstagram takipçi satın al paketlerimiz ile takipçi sayınızı güvenle yükseltebilirsiniz. Güvenilir ve ucuz instagram takipçi satın al hizmetimiz ile tanışmak için sitemizi ziyaret edin. İnstagram takipçi satın al hizmetimizi denemek için güvenilir instagram takipçi satın alma sitemizi inceleyin. En güvenilir instagram takipçi satın alma paketleri sadece sitemizde.

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  139. İnstagram organik takipçi satın al hizmetimiz ile hesabını yükselişe geçirmeye hazır ol! Güvenilir, ucuz ve organik instagram takipçi satın al hizmeti sunan sitemiz ile kaliteli takipçi satın alma paketlerinin tadını çıkar. İnstagram takipçi satın al hizmetimizi kullanmaya başlamak için 4 yıldır hizmet verdiğimiz instagram takipçi satın alma sitemizi ziyaret edebilirsiniz.

  140. En güvenilir takipçi hizmeti ayağınıza kadar geldi. Takipçi, beğeni, izlenme siparişiniz 5 dakika’da alınır ve hesabınıza hemen teslim edilir. Sizde instagram takipçi satın almak için tıklayın ve ucuz takipçi satın alarak, takipçi sayınızı ikiye katlayın.

  141. İnstagram takipçi satın al hizmeti ile takipçi sayını arttırmaya başla! Türkiye’nin en güvenilir instagram takipçi satın alma sitesi ile takipçi sayınızı arttırmak çok kolay. Güvenilir ve ucuz instagram takipçi satın alma paketleri sunan sitemiz ile güvenilir bir şekilde hesabını yükselişe geçir! İnstagram güvenilir takipçi satın almak için sitemizi ziyaret edin.

  142. İnstagram takipçi satın alma konusunda türkiye’nin lider sosyal medya ajansını denediniz mi? Sizde instagram takipçi satın al hizmetini ucuz bir şekilde kullanmak için hemen takipçi satın alabilirsiniz. Türk, gerçek, aktif, güvenilir ve en ucuz instagram takipçi satın alma hizmeti ile yükselişe geç. İnstagram takipçi satın al ve takipçini rakiplerine oranla arttır.

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  144. Türk takipçi ve güvenilir takipçi satın alarak takipçinizi yükseltebilirsiniz. Sizde sosyal medya uygulamalarında daha fazla beğeni, takipçi ve izlenme için takipçi satın alabilirsiniz. Hadi gelin ve instagram takipçi satın alarak takipçi yükseltin.

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  146. İnstagram hesabınızı daha fazla kitleye ulaştırmak için sizde instagram takipçi satın alabilirsiniz. Türk ve gerçek aktif takipçileri profilinize hızla gönderin. Faturalı ve kurumsal alışveriş ile güvenilir takipçi satın alın. Hadi sende durma ve instagram takipçi satın almak için takipçi paketlerimizi incele.

  147. Tiktok takipçi satın al sitesi sizlerle! Tiktok takipçi sayısını yükseltmek isteyen kullanıcılar için en güvenilir tiktok takipçi satın al sitesi hizmet vermektedir. Tiktok profiline akış olmasını istiyorsan eğer yapman gereken tek şey tiktok takipçi satın al paketlerini incelemektir. En ucuz tiktok takipçi satın al paketlerini al ve hesabını fenomen hale getir.

  148. Güvenilir tiktok takipçi satın alma sitesi ile takipçi kazanmaya başla! 4 yıldır güvenilir ve kesintisiz Tiktok takipçi satın alma hizmeti sunan sitemiz ile sen de takipçi sayını arttırmaya başla. Ucuz ve aktif tiktok takipçi satın al servisi sunan sitemiz ile profiline organik takipçi gönder. Tiktok takipçi satın al hizmetimiz ile hesabını geliştirmek için tiktok takipçi satın alma sitemizi incele.

  149. The road seemed to stretch on endlessly before us, but Alexis assured me that our journey was near an end. We’d turn before long into thick woods and travel through narrow, winding roads until we reached her family’s cabin. I had no choice but to trust her as GPS had given out nearly 20 minutes ago.

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  150. Tiktok takipçi satın al ve hesabını yükselişe geçir! Ucuz tiktok takipçi satın alma paketleri sunan sitemiz ile takipçi sayınızı yükselişe geçirmeye başlayın. Kaliteli ve aktif tiktok takipçi satın alma paketleri sunan sitemiz ile hesabınızı popüler hale getirin. Tiktok takipçi satın al hizmetini kullanmak için Türkiye’nin en güvenilir tiktok takipçi satın alma sitesini ziyaret edin.

  151. Tiktok organik takipçi satın al hizmetimiz ile hesabını yükselişe geçirmeye hazır ol! Güvenilir, ucuz ve organik tiktok takipçi satın al hizmeti sunan sitemiz ile kaliteli takipçi satın alma paketlerinin tadını çıkar. Tiktok takipçi satın al hizmetimizi kullanmaya başlamak için 4 yıldır hizmet verdiğimiz tiktok takipçi satın alma sitemizi ziyaret edebilirsiniz.

  152. Tiktok’da takipçi satın almak bu kadar kolay olmamıştı. En kolay ve en hızlı tiktok takipçi satın al paketleri ile sende buluş. Tiktok takipçi satın alma paketlerini hemen kullan ve hesabını yükselt! Tiktok takipçi satın al için en güvenilir site için linke tıklayınız. Tiktok takipçi satın alma ucuz bir şekilde gerçekleşir ve sizi popüler hale getirir.

  153. Tiktok hesabınızı daha fazla kitleye ulaştırmak için sizde tiktok takipçi satın alabilirsiniz. Türk ve gerçek aktif takipçileri profilinize hızla gönderin. Faturalı ve kurumsal alışveriş ile güvenilir takipçi satın alın. Hadi sende durma ve tiktok takipçi satın almak için takipçi paketlerimizi incele.

  154. Tiktok takipçi satın alarak takipçi sayınızı arttırmak sandığınızdan çok daha kolay. Websitemizi ziyaret edin ve takipçi satın almak için paketinizi seçin. Ödeme yöntemlerinden dilediğinizi seçerek, güvenilir tiktok takipçi satın alın. Hadi sende gel ve takipçi satın alarak, takipçi sayını arttır.

  155. Tiktok takipçi satın al ve hesabını yükselişe geçir! Ucuz tiktok takipçi satın alma paketleri sunan sitemiz ile takipçi sayınızı yükselişe geçirmeye başlayın. Kaliteli ve aktif tiktok takipçi satın alma paketleri sunan sitemiz ile hesabınızı popüler hale getirin. Tiktok takipçi satın al hizmetini kullanmak için Türkiye’nin en güvenilir tiktok takipçi satın alma sitesini ziyaret edin.

  156. Tiktok takipçi satın al sitesi sizlerle! Tiktok takipçi sayısını yükseltmek isteyen kullanıcılar için en güvenilir tiktok takipçi satın al sitesi hizmet vermektedir. Tiktok profiline akış olmasını istiyorsan eğer yapman gereken tek şey tiktok takipçi satın al paketlerini incelemektir. En ucuz tiktok takipçi satın al paketlerini al ve hesabını fenomen hale getir.

  157. The road seemed to stretch on endlessly before us, but Alexis assured me that our journey was near an end. We’d turn before long into thick woods and travel through narrow, winding roads until we reached her family’s cabin. I had no choice but to trust her as GPS had given out nearly 20 minutes ago.

    “There’s good wifi and okay reception at the cabin,” she’d told me, “but you can’t get there unless you know the way.”
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    So here I was, driving alone in the middle of god knows where with a girl who was my student just a couple of weeks ago. Her and her four best friends had been together from first grade all the way through high school and now they had graduated with very different futures ahead of them. They had decided to kick off “the best summer ever” with a week long stay at Alexis’s family cabin. Alexis and I were heading up before everyone else, the four other girls and four guys.

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  159. Tiktok’da yükselişin kolay yolu takipçi satın almak. Sizde hesabınızı daha hızlı bir şekilde yükseltmek için tiktok takipçi satın alabilirsiniz. Websitemizi ziyaret ederek, bizimle daima iletişime geçebilir ve tiktok takipçi satın alma işleminizde yardım alabilirsiniz.

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  162. İnstagram takipçi satın almak için uygun zamanı bekleme. Hemen instagram takipçi satın alma sitemize gel ve instagram takipçi sayını arttır. İnstagram takipçi sayını yükseltmek için ucuz instagram takipçi satın al ve hesabını fenomen hale getir. İnstagram’da rakiplerini takipçi sayını arttırarak geç. İnstagram takipçi yükseltmek için hemen instagram takipçi satın al.

  163. The road seemed to stretch on endlessly before us, but Alexis assured me that our journey was near an end. We’d turn before long into thick woods and travel through narrow, winding roads until we reached her family’s cabin. I had no choice but to trust her as GPS had given out nearly 20 minutes ago.

    “There’s good wifi and okay reception at the cabin,” she’d told me, “but you can’t get there unless you know the way.”
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    So here I was, driving alone in the middle of god knows where with a girl who was my student just a couple of weeks ago. Her and her four best friends had been together from first grade all the way through high school and now they had graduated with very different futures ahead of them. They had decided to kick off “the best summer ever” with a week long stay at Alexis’s family cabin. Alexis and I were heading up before everyone else, the four other girls and four guys.

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  168. The road seemed to stretch on endlessly before us, but Alexis assured me that our journey was near an end. We’d turn before long into thick woods and travel through narrow, winding roads until we reached her family’s cabin. I had no choice but to trust her as GPS had given out nearly 20 minutes ago.

    “There’s good wifi and okay reception at the cabin,” she’d told me, “but you can’t get there unless you know the way.”
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    So here I was, driving alone in the middle of god knows where with a girl who was my student just a couple of weeks ago. Her and her four best friends had been together from first grade all the way through high school and now they had graduated with very different futures ahead of them. They had decided to kick off “the best summer ever” with a week long stay at Alexis’s family cabin. Alexis and I were heading up before everyone else, the four other girls and four guys.

  169. Tiktok hesabınızı canlandırmak için, türk takipçi satın alma sitemizi ziyaret edebilirsiniz. En güvüvenilir ve en hızlı şekilde siparişleriniz tamamlanmaktadır. Faturalı hizmet ile resmi bir şekilde takipçi satın alabilirsiniz. Tiktok 100, 500 veya 1000 takipçi paketlerinden hesabın için seçim yap ve takipçi satın al.

  170. İnstagram takipçi satın al hizmeti ile takipçi sayını arttırmaya başla! Türkiye’nin en güvenilir instagram takipçi satın alma sitesi ile takipçi sayınızı arttırmak çok kolay. Güvenilir ve ucuz instagram takipçi satın alma paketleri sunan sitemiz ile güvenilir bir şekilde hesabını yükselişe geçir! İnstagram güvenilir takipçi satın almak için sitemizi ziyaret edin.

  171. Sosyal medya uygulamalarının en popüler uygulaması instagram için hemen takipçi satın al. İnstagram ucuz takipçi satın almak için websitemizi ziyaret et ve hemen en ucuz takipçi satın al.

  172. Takipçi satın almanın keyfini instagram takipçi satın alma sitesi ile yaşayın. İnstagram takipçi satın alma son zamanlarda çokça tercih edilmektedir. İnstagram takipçi satın almak için bizi tercih etmeniz için sebepler; Güvenilir takipçi satın alma sitesi, ucuz instagram takipçi satın alma ve 7/24 instagram takipçi satın alma hizmeti sunmaktadır.

  173. İnstagram’da takipçi satın almak bu kadar kolay olmamıştı. En kolay ve en hızlı instagram takipçi satın al paketleri ile sende buluş. İnstagram takipçi satın alma paketlerini hemen kullan ve hesabını yükselt! İnstagram takipçi satın al için en güvenilir site için linke tıklayınız. İnstagram takipçi satın alma ucuz bir şekilde gerçekleşir ve sizi popüler hale getirir.

  174. İnstagram takipçi almak artık çok basit! Kolay instagram takipçi satın almak isteyenlere özel sitemiz sizlerle. İnstagram takipçi satın almak için güvenilir ödeme yöntemi ve 7/24 canlı destek ile güvenilir takipçi satın alın. Paketlerimiz ucuz instagram takipçi satın al paketlerinden oluşmaktadır. İnstagram takipçi satın alın ve hesap profilinizin kitlesini arttırın.

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  176. İnstagram hesabınızı canlandırmak için, türk takipçi satın alma sitemizi ziyaret edebilirsiniz. En güvüvenilir ve en hızlı şekilde siparişleriniz tamamlanmaktadır. Faturalı hizmet ile resmi bir şekilde takipçi satın alabilirsiniz. İnstagram 100, 500 veya 1000 takipçi paketlerinden hesabın için seçim yap ve takipçi satın al.

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  179. İnstagram hesabınızı daha fazla kitleye ulaştırmak için sizde instagram takipçi satın alabilirsiniz. Türk ve gerçek aktif takipçileri profilinize hızla gönderin. Faturalı ve kurumsal alışveriş ile güvenilir takipçi satın alın. Hadi sende durma ve instagram takipçi satın almak için takipçi paketlerimizi incele.

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  182. Güvenilir instagram takipçi satın alma sitesi ile takipçi kazanmaya başla! 4 yıldır güvenilir ve kesintisiz İnstagram takipçi satın alma hizmeti sunan sitemiz ile sen de takipçi sayını arttırmaya başla. Ucuz ve aktif instagram takipçi satın al servisi sunan sitemiz ile profiline organik takipçi gönder. İnstagram takipçi satın al hizmetimiz ile hesabını geliştirmek için instagram takipçi satın alma sitemizi incele.

  183. The road seemed to stretch on endlessly before us, but Alexis assured me that our journey was near an end. We’d turn before long into thick woods and travel through narrow, winding roads until we reached her family’s cabin. I had no choice but to trust her as GPS had given out nearly 20 minutes ago.

    “There’s good wifi and okay reception at the cabin,” she’d told me, “but you can’t get there unless you know the way.”
    https://rentry.co/o5pri
    So here I was, driving alone in the middle of god knows where with a girl who was my student just a couple of weeks ago. Her and her four best friends had been together from first grade all the way through high school and now they had graduated with very different futures ahead of them. They had decided to kick off “the best summer ever” with a week long stay at Alexis’s family cabin. Alexis and I were heading up before everyone else, the four other girls and four guys.

  184. İnstagram takipçi satın al ve hesabını yükselişe geçir! Ucuz instagram takipçi satın alma paketleri sunan sitemiz ile takipçi sayınızı yükselişe geçirmeye başlayın. Kaliteli ve aktif instagram takipçi satın alma paketleri sunan sitemiz ile hesabınızı popüler hale getirin. İnstagram takipçi satın al hizmetini kullanmak için Türkiye’nin en güvenilir instagram takipçi satın alma sitesini ziyaret edin.

  185. İnstagram takipçi satın al ve hesabını yükselişe geçir! Ucuz instagram takipçi satın alma paketleri sunan sitemiz ile takipçi sayınızı yükselişe geçirmeye başlayın. Kaliteli ve aktif instagram takipçi satın alma paketleri sunan sitemiz ile hesabınızı popüler hale getirin. İnstagram takipçi satın al hizmetini kullanmak için Türkiye’nin en güvenilir instagram takipçi satın alma sitesini ziyaret edin.

  186. İnstagram takipçi satın alma konusunda türkiye’nin lider sosyal medya ajansını denediniz mi? Sizde instagram takipçi satın al hizmetini ucuz bir şekilde kullanmak için hemen takipçi satın alabilirsiniz. Türk, gerçek, aktif, güvenilir ve en ucuz instagram takipçi satın alma hizmeti ile yükselişe geç. İnstagram takipçi satın al ve takipçini rakiplerine oranla arttır.

  187. Takipçi satın almanın keyfini instagram takipçi satın alma sitesi ile yaşayın. İnstagram takipçi satın alma son zamanlarda çokça tercih edilmektedir. İnstagram takipçi satın almak için bizi tercih etmeniz için sebepler; Güvenilir takipçi satın alma sitesi, ucuz instagram takipçi satın alma ve 7/24 instagram takipçi satın alma hizmeti sunmaktadır.

  188. İnstagram takipçi almak artık çok basit! Kolay instagram takipçi satın almak isteyenlere özel sitemiz sizlerle. İnstagram takipçi satın almak için güvenilir ödeme yöntemi ve 7/24 canlı destek ile güvenilir takipçi satın alın. Paketlerimiz ucuz instagram takipçi satın al paketlerinden oluşmaktadır. İnstagram takipçi satın alın ve hesap profilinizin kitlesini arttırın.

  189. İnstagram’da takipçi satın almak bu kadar kolay olmamıştı. En kolay ve en hızlı instagram takipçi satın al paketleri ile sende buluş. İnstagram takipçi satın alma paketlerini hemen kullan ve hesabını yükselt! İnstagram takipçi satın al için en güvenilir site için linke tıklayınız. İnstagram takipçi satın alma ucuz bir şekilde gerçekleşir ve sizi popüler hale getirir.

  190. İnstagram takipçi almak artık çok basit! Kolay instagram takipçi satın almak isteyenlere özel sitemiz sizlerle. İnstagram takipçi satın almak için güvenilir ödeme yöntemi ve 7/24 canlı destek ile güvenilir takipçi satın alın. Paketlerimiz ucuz instagram takipçi satın al paketlerinden oluşmaktadır. İnstagram takipçi satın alın ve hesap profilinizin kitlesini arttırın.

  191. İnstagram takipçi satın al ve hesabını yükselişe geçir! Ucuz instagram takipçi satın alma paketleri sunan sitemiz ile takipçi sayınızı yükselişe geçirmeye başlayın. Kaliteli ve aktif instagram takipçi satın alma paketleri sunan sitemiz ile hesabınızı popüler hale getirin. İnstagram takipçi satın al hizmetini kullanmak için Türkiye’nin en güvenilir instagram takipçi satın alma sitesini ziyaret edin.

  192. İnstagram takipçi satın almak için uygun zamanı bekleme. Hemen instagram takipçi satın alma sitemize gel ve instagram takipçi sayını arttır. İnstagram takipçi sayını yükseltmek için ucuz instagram takipçi satın al ve hesabını fenomen hale getir. İnstagram’da rakiplerini takipçi sayını arttırarak geç. İnstagram takipçi yükseltmek için hemen instagram takipçi satın al.

  193. The road seemed to stretch on endlessly before us, but Alexis assured me that our journey was near an end. We’d turn before long in