Hi, This questions was quite a difficult one, particularly for those not familiar with Solvency II and the way it affects different companies, and indeed the way it affects different divisions within a company. My feeling is that in this case, the examiner meant the amount of capital required. The more capital required, the less likely the company will be to release the product from that division. I think the term 'cost' has been used because the company will consider the capital it has to hold to satisfy the regulator a cost.