I’m most familiar with the services that you advertise through television and workplace outreach, of course, but most people are. I’m also aware that you operate as a large, international insurer, but that most of your sales are through agents and brokers, not the direct market. This means I’m likely to be working with clients who have their own advisers and representatives, so I need to be prepared to defend the company’s positions, but I can also count on having a translator on the other end to work with most clients.