We don't see too much from Prudential.

This is not at all like fourth quarter of last year.

I've likened it to another major corporate announcement for Alliance. Not only does Prudential bring capital into the Alliance program, but through the relationship we will be able to build with them. We may have some opportunities to do some future development with them in an extension of this partnership.

We are also very pleased we could reach an amicable settlement with Prudential,

Prudential will be the third jewel of the insurance crown.

They deserved it. They had the better team, and they went out and played their game.