Well, I'm going to ask a question.
What this is, essentially, is banks are not allowed to sell life insurance products, and they know that. What they have been doing is creating products that are in the grey area of being a life insurance product. So that's why they're life-annuity-like products. And what we're doing as a government, as Ms. Pearse has said, is making it really clear that it is not appropriate. The letter and the spirit of the law is the division between banks and insurance companies with respect to these products.
Is that correct?