Yes. Again, that is a product of the volatility of the discount rate and the changes. As you're very well aware, we saw the discount rate reduced for many, many years. It was decreasing. In 2021, those discount rates were increasing. For example, at the end of 2020, our discount rate, I believe, was a -0.1% to calculate the solvency deficit. At the end of 2021, the discount rate was 0.5% to calculate, and that is a product of an increase in the discount rate.
The discount rate is calculated by our actuary based on accounting standards.