Thanks for the question.
I don't have a lot of details, but I can give you a one-year example. In the contract, there are conditions whereby 40% of the premiums that are paid have to be kept on hand by Manulife to ensure it's financially sustainable. If they fall below that amount, Manulife uses its own money, so they give us a capital charge—they call it a “c charge”—and they charge us interest.
I have for you that we paid interest of $616,900 in 2016, and the longer that goes on, the more interest we pay.