Annuities. That's what we do. Guided by this focus, we built a team of experts, all with extensive experience in at least one of the following areas: financial services, insurance, investment and pensions. In addition to shaping our staff, our singular focus allowed us to structure our company, our de-risking products and our prices to make them more competitive and better able to meet our clients’ needs. We don’t have risks associated with any legacy or non-annuity products on our balance sheet. So we’re able to concentrate our efforts on analyzing and managing risk and then matching clients with the right de-risking solutions. Our focus also lets us look at every aspect of our business from a long-term perspective. Because we’re not driven by quarter-to-quarter expectations, we’re able to work with a wider range of organizations and plan sizes. We can invest time in our clients.