Mr. Liam Sloyan:

The benefit to the person paying the premium of being non-advanced is that the levy and credit are lower. If most of the people on the product were younger, which is the case in a lot of these public hospital contracts, the cost of the contract would be lower if it were non-advanced. That is not the case with all such contracts, some of which have older people on them. Many products have mostly younger people. Insurers would be required to change the benefits on their contracts to make them non-advanced and reduce them in some cases.