In addition to the Insurance Policy Advisory Committee, we’re also working with the states and the National Association of Insurance Commissioners (NAIC), which I want to congratulate on adopting a model law related to their Group Capital Calculation (GCC) at the end of last year.
The run of numbers we have received over the past few months have been either 8.2 per cent or 8.1 per cent. So if you look across the past 12 months, I think you could see a reduction in the unemployment rate of ½ per cent or so.