Mr. Joe Morley:

I think what it will show will be the total of the charges on the policy. Again, we have given the instruction in the code, but during this year we will be examining how exactly the firms are interpreting the rules we have. The rules are binding on the regulated entities. We will be investigating them this year to ensure that statements are being issued and see exactly how they are approaching the section on charges. The code states that all charges and deductions affecting the investment product, including any charges associated with the management, sale, setup and ongoing administration of the investment product, must be included in the statement.