Mr. Easter, let me take the first one, and then I will say one or two words about Japan Post. I will then ask Janice if I have missed anything.
On the double taxation social security issue, it's not a completely uncommon issue, when you are trying to move your executives around the world that, if tax treaties are not exactly straightened out the right way and stuff like that, people end having to pay tax in both jurisdictions, and it's not accounted for in the other one. Our people end up having to pay a lot of tax. It becomes difficult for us as a global company, which we are. We are in 11 different territories in Japan, we are here in Canada, and we're big in the United States. It becomes very hard to move our people, not just Canadians but also if we want someone else to come here on a temporary assignment. We just need that sort of cleared up.
On the Japan Post issue and on the insurance, the simplest way to explain why we are concerned about Japan Post Insurance is that if Manulife wants to bring out a new product in Japan, we have to go to the regulators. We have to explain what it is. We have to show what its benefit is, how it's going to operate, and whether we have enough capital reserves to put that product out. Therefore, if we sell something, people know they will get paid out no matter what. Japan Post Insurance doesn't have to do that. They just sort of walk in and announce by press release that they have a new product and it's going out; regulators have never looked at it.
So it's a bit unfair to us. And it's not only unfair to us; it's unfair to the private sector companies in Japan who are domestics in there. That's the simplest and easiest way to explain it.
Janice, is there anything else you want to add to that on Japan Post Insurance?