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 believe the verdict was unfair and excessive.

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.

It's part of our strategy to diversify distribution.

This is directly related to what is going on in the stock market. It's painful to do but we're obviously not the only people doing it.

Middle age is when your age starts to show around your middle.