Hey everyone, I wanted to address a few themes I'm seeing so far.   One of the bigger one's is 'why'?   As we mentioned in the post, the regulatory climate around these sorts of selling mechanisms abroad have been under scrutiny for some time, as many have also already mentioned.  This includes the formation of some precedence already in place.  We did not make this decision without a lot of thought on the impact this has and sadly we know how burdensome this can be for many.  Through
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