Canadian Insurers experienced some financial difficulties through the late 1980s, continuing on into the 1990s. This was largely the result of declining interest rates on safe, income-producing investments such as bond and treasury bill, though this was not the only problem. This led to a wave of consolidation and demutualization amongst Canadian insurers, in an effort to raise capital and cut costs. Internally, many insurers, in an effort to cut costs, chose to eliminate their in-house sales forces. Almost all 'career shops' ceased to exist during this time. There are a few major career shops remaining today, such as those run by Sun Life, Freedom 55, and IGM Financial.