It's part of our strategy to diversify distribution.

We are still making preparations for an IPO. But we are not making any determinations on whether the event of last week will have an impact on our plans to go public.

We can't verify the accuracy of the numbers. All of our internal surveys show high customer satisfaction. And after a review of the complaints involving Prudential, it seems clear that since 1997, the number of complaints has consistently gone down.

We believe the verdict was unfair and excessive.