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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The plant would create 2,500 jobs, and Mr Mason fancifully predicted the boost to Ulster’s self-confidence would be a ‘hammer blow’ to the IRA. Hours before DeLorean’s arrest by the FBI in 1982, the Conservative Government announced it was permanently closing the car plant. He certainly talked Jim Callaghan’s Labour Government into handing over tens of millions of pounds of taxpayers’ money. DeLorean’s charm cut little ice with Jim Callaghan’s successor, Mrs Thatcher. During DeLorean’s trial, Jim Hoffman said the car designer, desperate for money to keep his company going, had asked him to set up a drug-smuggling deal (in which DeLorean would finance the purchase of 220lb of cocaine in Colombia), after learning that Hoffman had previously flown cocaine shipments into the U.S. The British Government spent ten years trying to sue DeLorean’s auditors but, in 1992, it settled out of court for just Ј18 million. Worried that DeLorean could take his business elsewhere, and keen to reduce the heavy unemployment that fuelled sectarian violence in Ulster, the British Government opened its wallet. DeLorean had an impressive track record in America, celebrity backers including Sammy Davis Jr and chat-show king Johnny Carson, a rock-star image and a highly persuasive manner.

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