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Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.

Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.There are also many changes in insurance products at the same time of life insurance reform. A few years ago, long-term health insurance was sold very much, and the duration of such products was long enough to resist the spread loss. There is also the fact that major insurance companies have increased the distribution of dividend insurance this year. Everyone will know what it means, right? As for the duration gap of Ping An's assets, I listened to the senior management once when I participated in an activity in 2021, and I don't have the latest data either. It is expected that the duration gap will be better than that three years ago.There are also many changes in insurance products at the same time of life insurance reform. A few years ago, long-term health insurance was sold very much, and the duration of such products was long enough to resist the spread loss. There is also the fact that major insurance companies have increased the distribution of dividend insurance this year. Everyone will know what it means, right? As for the duration gap of Ping An's assets, I listened to the senior management once when I participated in an activity in 2021, and I don't have the latest data either. It is expected that the duration gap will be better than that three years ago.

Finally, the layout of insurance+medical care is certainly not as high as the ceiling of American counterparts, but now the policy support is getting stronger and stronger, and the medical insurance and commercial insurance information are connected. We can control the policy cost from the perspective of death and seek differentiated competition. Next year, with the landing of institutions under the pension line, it is expected to be accelerated.First of all, the decline in the yield of government bonds affects the newly allocated assets of China Ping An (hundreds of billions a year), and the earlier purchases are not affected;Secondly, not all fixed-income products such as bonds held by China Ping An hold interest at maturity.