Consistent with the nature of insurance contracts, we also group similar policies together to pool the risks amongst a larger number of policyholders to provide diversification benefits, which helps to stabilize the financial performance (hence the crediting interest rates). To maintain the fairness between policyholders, we may also separate different generations of policies of the same product into different buckets with different crediting interest rates, with an aim to more closely reflect the underlying financial performance. As a result, the frequency and magnitude of the crediting interest rate scale adjustments may vary among different products and buckets.