Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

Further, as we have repriced and restructured many of our products, our new business margins generally remain within our targets at currently minimal returns [ph] Sales were significantly lower in the quarter, especially in the retail annuity market, as our distribution partners responded to their own challenges.

Answer: industry: minimal, retail