David Geale: As you know, we have consulted on some standards for the guidance guarantee. I think the key thing is that it is a robust framework that gives people the information they need. It is also intended to be guidance, so it needs to be guidance that helps people to understand their options and the implications of those options, and not regulated advice; but one key thing coming out of that is that people need to walk away from that conversation knowing where to go next and what to do next. For some people, that will be to seek regulated advice, whereas some people will know that they want to take the money, and others will know where to look in terms of comparing different options on annuities, draw-down or whatever it may be. Our focus was really to make sure that that process is able to be designed within a robust framework that delivery partners can use.