Utilize the input text as a context reference, choose the right relationship between minimal and retail from the options. Options: 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