The New York area is a very good market for insurers, with a lot of large companies headquartered there that can use their national coverage.

Now that they have succeeded in controlling cost inflation, this idea of privatizing Medicare opens up a whole new market.

It's a good development and keeps them on track for the U.S. approval probably later this year.

The conservative guidance for next year was disappointing to some of the investors.

It exerts a lot of psychological pressure and undermines their perceived well-being. It makes you feel vulnerable. People start to question their future.