I'm going to have to leave it there.
I apologize to Mr. Phillips, as well, because I think there would be others that do that.
I'm going to use my old 30-plus years' insurance background—which just means that I'm old. I'd like to ask you to focus more on Japan Post and Manulife, as well.
Manulife, Mr. Wilkinson, regardless of Japan Post, seems to have had some dramatic success versus other Canadian insurers in Japan. I would like to know, quickly, why that is. And to what extent do you believe Japan Post is truly an impediment to your doing business there?