Thank you.
Thank you very much to both of you for your presentations this afternoon. I think, as with other subjects we've studied, it becomes more apparent as we get into it that there are no easy solutions for most of these issues.
I just want to go back to a couple of things you referred to. First of all, Mr. Dussault, I think you talked about the survivor spousal benefit and how it is often in fact cut to 50% if the insured spouse passes away. Is that correct?