kywoo usually the Q4 result will deduct preference dividend, hence the drop in ordinary EPS.

limyuwei thanks for your sharing, i've learned alot from you.

Just wondering how you'd know the "additional claims provision" is coming for the medical portfolio? Couldn't it be increasing adverse experience in life business as a whole? Also would you foresee increasing lapse rate in the coming months? Typically lapse increase when there's an economic recession.