Of course, yeah.

Yeah.

Um, it's probably w- worth saying as well, EIOPA has, um, [smacks lips] introduced optional phasing in of this new extrapolation approach, and what that means is it'll avoid a cliff edge sort of effect at implementation.

So if companies want to take the phasing in, um, into account, they'll need to be aware they need to get regulator approval, and there'll be associated, uh, documentation and disclosure requi- requirements as well.

The second point then, the volatility adjustment, there's a handful of companies in the Irish market using this, probably less than 15.

Most of them are life insurers.

There are a few non-life as well, though.

So I'm sure a lot of companies are aware of changes there, but you could maybe give us a quick overview in terms of what they actually are.