Ann: 2017 Full-year results Media Release, page-15

Ok, now I see what you mean, thanks for clarifying.

Well, that corroborates my previous point, then. Which is that, while the pre-paid business can secure some future revenue, it does so in a way that adds significant risk without much in a way of a reward.

Precisely because, as you very well put it, the investments never keep pace (or struggle to keep pace, in the long run) with the increase in funeral prices.

Cheers