2. What is the basis of the Rider Computation for Schedule 3 onwards and why is it significantly increasin 3. Say, scenario 1 is correct, will there be any TDB/ADDD and CIB premiums afterwards? 4. Is there a different computation for female clients? 5. How SunLife change their investment portfolio? Is there a frequent period? What is the tolerance? 6. Do market decline and losses affects the investment decision? If so, what is the Bps? 7. Are the clients aware on the investment portfolios? Or they are just these decisions are purely for Inve 8. How often can I diversify my portfolio wiyhout a fee? 9. How much fee for portfolio diversification and what is the basis? W8