Despite the pandemic, the year 2021 turned out to be a very good year for us. Under difficult circumstances, we managed to bring in a very good return of almost 10%, and with a policy funding ratio exceeding 125%  we are also out of recovery. DNB wants us to have at least 123%, so we are now well above that. The monthly funding ratio is even above 130%. This actually happened much faster than we could have dreamed in March 2020 when the pandemic in Europe reached full intensity and financial markets plunged. Last year, we were able to offer partial indexation and now w...