Oh, it has everything to do with all the members of HKFI who are selling ILAS. They’re the core of the problem. They’re the ones creating this poison and giving the brokers a large financial incentive to distribute it as far and wide as possible. What the insurance industry is doing is evil. And you are evil for defending them and for denying their culpability. As I said to Convoy, I don’t believe in God, but if I did, I’d pray that you all don’t burn in hell.