On your first question, I think I'll ask Michael to answer. As a functional expert, he knows more detail. I think there's a question of pension versus insurance, and I think it's important to understand how the dynamic works.
C/Supt Alain Tousignant
On your first question, I think I'll ask Michael to answer. As a functional expert, he knows more detail. I think there's a question of pension versus insurance, and I think it's important to understand how the dynamic works.
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