We did see some lower lapse rates on LTC wealth business, which we have not really seen in 2018, too early to say whether that's a trend or not, but reminder that, we strengthened lapse assumptions materially over time. Sure, Doug. So, in terms of core experience, a reminder of what's in there, it's policyholder experience, expense impacts, which would include expenses where we don't reserve for them, and Asia regional office expenses. Again, similar drivers in terms of policyholder experience and expense. So, the $143 million, which you mentioned in terms of core experience and you've noted correctly $39 million of that was policyholder experience. So, saw a nice uptick in expected profit. It's a nice feeling. Okay. And I guess no sort of outlook in terms of like -- I know it bounces around but no sort of outlook in terms of where you think that conversion ratio, in terms of core earnings -- level of remittances as a percentage of core earnings that you think you should be able to generate over the medium term? Got it. Okay. And if I could just ask a high level one to Roy, just on overall earnings growth for the Company, the 8% EPS growth.

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