Not so good. I expect the turmoil to last at least another two or three years. The other problem is Japan. The Japanese government doesn't want to do a major restructuring of the economy. Prime Minister Hashimoto is not doing anything except give lip service.
Foreigners are very strong in the insurance business.
As best as we can. Life insurance is one of the most important businesses of any country. It's a big vehicle for savings, which must be in the hands of nationals so that they can be used for development. In the Philippines, we have a very unique case. These companies have no interest to develop the Philippines.