In addition to our core markets, we are also active in Western Europe in Italy, Liechtenstein and Switzerland. In 2014, the Western European market made a significant contribution to net profit in the international business – primarily in Italy and with small specialised units also in Switzerland and Liechtenstein. We work closely together on sales in Italy with the Veneto Banca Group. Single premiums in life insurance have developed particularly well. We continue to expect high demand in this segment.