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Total contract fees for variable annuities with income riders run about 2.

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And then I understand you plan to keep your hedge program set at CTE 95 as the floor rather than changing that to CTE 98, so can you just talk about what the impact would be, if at any point in the future, kind of you dipped fedde le grand uncensored a CTE 98 level at any point?

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We intend to provide additional guidance on adjusted ROE less notables before the end of this year.

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Is there any cost to me?

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So basically you still be over pussy sucks expect to create 3 billion of asset buffer above CTE 95 level under the new regime and then use that to, in a sense, to reduce your hedging cost?

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