You gave the example of adjustable policies. These are policies where some of the conditions can change over time. That's how the nature of the policy is structured.
In foreign jurisdictions, there are already disclosure requirements with respect to that. In the former approach of the government, there were disclosure requirements that were “Canadian-based”, if I can use that expression, that applied to those foreign customers, so they were getting two kinds of disclosure. Those were confusing for our foreign customers, who make up almost half of our customer base. With this new legislation, that will be changed.