Due to our focus on delivering the most compelling service in the market, we at Actus believe to deliver an independent service in the market. To be focused on it, we have a broad agreement with the local insurers to deal with our policy administration with self-determination and self-accountability and, according to the FSB legislation, are contractually authorized by the insurers to handle the administration in-house. Actus is also accredited to collect premiums on behalf of various insurers, which places our service at a better level than most of our competitors.