First of all, the reinsurance agreement must offer a real risk transfer. As a supervisor, we always pay attention to this. Recently, companies have been contacting us with questions about the possibility of using mass lapse reinsurance. According to the EIOPA Opinion on the use of risk mitigation techniques by insurance undertakings, in such a case, companies should demonstrate to us that these agreements provide a real and effective transfer of risk and do not generate a basis risk. We do not agree to empty reinsurance treaty, the sole purpose of which is to reduce capital requirements and there is no real transfer of risk. Another risk that we see in this type of agreements is proper inclusion of them in the calculation of capital requirements, in accordance with Solvency II regulations. In our process of assessing insurance companies (Risk Assessment Framework), one of the criteria that significantly affects the final score of the assessment is the adjustment that is applied if the insurance companies use a reinsurance contract as part of the SCR calculation, the subject of which is the risk of loss of basic own funds caused by the realization of a negative scenario/event.