AdminUpdate: John Hancock Expands Digital Policy Delivery to UL & IUL

Published on June 12, 2026

FROM JOHN HANCOCK...

Great news! Getting your John Hancock permanent policies placed just got significantly easier, faster, and more impactful for your business.

John Hancock has expanded their enhanced digital policy delivery experience to newly issued UL and IUL products — designed to help you move faster, close more cases, and create a better client journey.

Why this matters for you and your clients

  • Accelerate revenue: A seamless digital flow, from initial premium through signatures and delivery, reduces cycle times and gets policies in force faster.
  • Increased placement rates: Less friction and fewer follow-ups may mean more cases placed and more time focused on selling.
  • Elevate the client experience: Automatic onboarding to digital tools — including Vitality — delivers a modern, engaging experience from day one.
  • Differentiate your practice: Offer a streamlined, tech-enabled experience that your clients expect, and one that sets you apart.

Capture the opportunity in your pipeline today

  • Submit your next UL or IUL case via a digital eApplication
  • Review the step-by-step client experience guide for what they can expect for policy issue and delivery
  • Partner with your John Hancock representative now to learn more about how this process can accelerate placement

Find out more about these changes from John Hancock...

ProdMod: John Hancock Refreshes Protection VUL

Published on May 28, 2026

FROM JOHN HANCOCK...

You now have a powerful, new option for your protection-first clients: Protection VUL 26, built to provide a standout combination of price, guarantees and performance potential.

Stronger guarantees, broad opportunities

With a focus on improved premiums, extended guarantees and flexibility, Protection VUL 26 delivers — for you and your clients.

  • New! Improved full-pay guaranteed premiums for solves targeting an age-100 guarantee
  • New! Better current-assumption premium solves with extended guarantees through life expectancy and beyond
  • Continued access to LifeTrack Bronze Guarantee, combining no-lapse guarantees, Vitality engagement and premium transparency to help clients potentially reduce guaranteed premiums over time
  • Maintained flexibility with access to full investment lineup and no restrictions on preserving the No-Lapse guarantee duration

Together, these features make Protection VUL 26 a more compelling solution — offering cost-efficient and stronger guarantees, without giving up performance potential, flexibility or long-term planning value.

Please see the Transition Rules for additional details.

Find out more about these changes from John Hancock...

ProdMod: Lincoln In-Force IUL Index Changes

Published on May 27, 2026

FROM LINCOLN FINANCIAL...

Coming soon: Third group of inforce Indexed Universal Life insurance policies will have access to additional indexed accounts

Effective June 8, 2026, two new indexed accounts will be available on a third group of in force IUL policies.

These S&P based, enhanced volatility-controlled accounts are being offered in response to the strong feedback received since their 2025 introduction in Lincoln’s Elite Indexed Universal Life Portfolio.

Featuring higher index volatility targets than typically available in the market, the new accounts offer clients additional optionality and expanded performance potential.

These updates reflect Lincoln’s continued commitment to evolving Lincoln Financials' indexed account lineup to meet producer and client needs while supporting long term policy performance opportunities.

Effective June 8, 2026, the accounts will be also be available on Lincoln WealthAccumulate IUL (2018), Lincoln WealthPreserve IUL (2019), and Lincoln WealthAccumulate IUL (2019).

The accounts became available on April 13, 2026 on 3 products: Lincoln LifeReserve IUL Accumulator (2011), Lincoln WealthPreserve SIUL (2014), and Lincoln LifeReserve IUL Accumulator (2014). Effective May 11, 2026, the accounts were made available on Lincoln WealthAdvantage Indexed UL (2015) and Lincoln WealthPreserve IUL (2017).

Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

Deadlines for adjusting future allocations

For policy owners wanting to allocate to either of these new accounts, for segments maturing on June 15, 2026, the deadline to submit the updated allocation form to Lincoln’s home office is June 11, 2026.

Adding the accounts to other IUL products

Lincoln Financail is actively working to make these accounts available on additional products and will provide updates regarding effective dates.

Illustration Software Updates

Lincoln DesignIt and WinFlex illustration systems will reflect v74.0B as of June 8, 2026. For the best experience and access to the newest features, consider using the DesignIt online version, which offers enhanced capabilities beyond the desktop application. DesignIt Desktop users will need an active internet connection before being prompted to update. If you need to download software, it is available on the Lincoln producer websites or from Field Office Technicians.

Find out more about these changes from Lincoln Financial...

AdminUpdate: Principal Increases Capacity Limits

Published on May 21, 2026

FROM PRINCIPAL...

Expanded Capacity limits have been increased

Principal is pleased to let you know your clients with high coverage amount needs now have access to even greater capacity limits for several products – $100 million or more for Term, Universal Life, Indexed Universal Life, and Executive Variable Universal Life products.

Eligibility Requirements

  • Maximum issue limit: Expanded Capacity Limit for applicable products
  • Issue ages: 21-75 (maximum amount reduced for ages 71-75)
  • Full underwriting: Principal Accelerated Underwriting cases are not eligible
  • Maximum rating: Table 4
  • No special risks allowed: Foreign nationals, political figures, professional athletes, aviation (unless Aviation Exclusion Rider is included on policy)
  • Products: Term (not including Guaranteed Issue Term), Universal Life, Survivorship Universal Life, Indexed Universal Life, Variable Universal Life

For additional details, please see the Expanded Capacity Underwriting Program details

Find out more about these changes from Principal...

ProdMod: MassMutual Launches New Wellness Offering: The Living Well Rider

Published on May 13, 2026

FROM MASSMUTUAL...

Consumers are increasingly looking for financial products that offer comprehensive wellness benefits. The Living Well Rider is an added benefit for eligible whole life clients, giving them access to a bundle of wellness services at no extra cost.

Living Well Rider benefits

MassMutual is integrating proactive wellness benefits into our whole life policies, offering features like multi-cancer early detection, disease risk assessment, and mental health support.

Genomics' Health Insights™ test is an at-home genetic test that can help eligible policy owners identify their risk for chronic conditions including diabetes, heart disease, and certain cancers. Genomics also provides personalized, condition-specific risk estimates and tailored health advice.

GRAIL’s Galleri® test is a multi-cancer early detection test that can screen over 50 types of cancer through a simple blood draw, including certain cancers with no existing screening methods. And if one were to receive a positive result, it can also help locate a cancer in the body.  

Wysa Assure is an AI-powered app that fosters  self-reflection, emotional processing, and skill-building in a confidential, supportive space. A12-month subscription is available to eligible policy owners at no additional cost and can be annually renewed for up to 3 years.

Eligible products

The Living Well Rider will be automatically included at issue for policies that meet eligibility requirements and are issued on the following products:

  • Whole Life 8 Pay
  • Whole Life 20 Pay
  • Whole Life 10 Pay
  • Whole Life 12 Pay
  • Whole Life 15 Pay
  • Whole Life 65
  • Whole Life 100
  • Whole Life High Early Cash Value (HECV)

Learn more about the Living Well Rider

AdminUpdate: North American Increases Accelerated Underwriting Limit to $5MM

Published on May 5, 2026

FROM NORTH AMERICAN...

Expanded WriteAway accelerated underwriting program

North American is excited to announce the expansion of WriteAway, allowing more cases to be approved without labs and exams, including face amounts up to $5 million.

Updates to the program include:

  • NEW! Higher face amounts up to $3 million (ages 18 – 50 only) with broader underwriting parameters, including Table 2/B (build criteria only).
  • NEW! Eligible face amounts up to $5 million (ages 18 – 50).

With these updates, North American is introducing a tiered structure to simplify and clarify requirements for face amounts.

To learn more, please visit the WriteAway Field Bulletin

Find out more about these changes from North American...

ProdMod: Lincoln Adds Inforce IUL Account Options

Published on May 4, 2026

FROM LINCOLN FINANCIAL...

Coming soon: A second group of inforce Indexed Universal Life insurance policies will have access to additional indexed accounts

Effective May 11, 2026, two new indexed accounts will be available on an additional group of in force IUL policies. These S&P based, enhanced volatility-controlled accounts are being offered in response to the strong feedback received since their 2025 introduction in Lincoln’s Elite Indexed Universal Life Portfolio.

Featuring higher index volatility targets than typically available in the market, the new accounts offer clients additional optionality and expanded performance potential.

These updates reflect Lincoln’s continued commitment to evolving our indexed account lineup to meet producer and client needs while supporting long term policy performance opportunities.

Effective May 11, 2026, the accounts will also be available on Lincoln WealthAdvantage Indexed UL (2015) and Lincoln WealthPreserve IUL (2017).

The accounts became available on 3 products on April 13, 2026: Lincoln LifeReserve IUL Accumulator (2011), Lincoln WealthPreserve SIUL (2014), and Lincoln LifeReserve IUL Accumulator (2014).

Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

New indexed accounts available on select inforce IUL products

The following indexed accounts are available on select inforce IUL policies:

  • 1 Year PTP S&P 500 Dynamic Intraday TCA – 15% VCI Indexed Account
  • 1 Year PTP S&P 500 Daily Risk Control – 10% VCI Indexed Account

Deadlines for adjusting future allocations

For policy owners wanting to allocate to either of these new accounts, for segments maturing on May 15, 2026, the deadline to submit the updated allocation form to Lincoln’s home office is May 13, 2026.

Adding the accounts to other IUL products

Lincoln Financial is actively working to make these accounts available on additional products as quickly as possible while ensuring a seamless and superior customer experience. Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

Illustration software updates

Lincoln DesignIt and WinFlex illustration systems will reflect v74.0 as of May 11, 2026. For the best experience and access to the newest features, consider using the DesignIt online version, which offers enhanced capabilities beyond the desktop application. DesignIt Desktop users will need an active internet connection before being prompted to update. If you need to download software, it is available on the Lincoln producer websites or from Field Office Technicians.

Please see Formal Announcement from Lincoln Financial for additional details

Find out more about these changes from Lincoln Financial...

AdminUpdate: F&G Expands Exam-Free Underwriting

Published on May 4, 2026

FROM F&G...

How F&G is working to earn all your life business

Middle market and more

With the recent expansion of Exam-free Underwriting, it’s easier than ever to consider F&G your one-stop shop for indexed universal life (IUL).

While F&G remains laser-focused on helping tens of thousands of middle-market families each year protect their loved ones and better prepare for retirement, they’re now positioned to compete for your bigger policies, too.

The products, people and processes you know and love – now for face amounts as high as $5 million. That’s right, no exams for policies of up to $5 million.

Exam-free coverage. F&G handles simple. You handle life.

Offer clients a streamlined underwriting experience on applications up to $5 million in initial death benefit through age 50 and $3 million for those age 51 to 60.

These new limits apply to all US citizens, including those in Puerto Rico, which previously had separate limits.

  • Ages 0-50
    • Exam-Free: Through $3 million
    • Exam-Free (with EHR or APS): Over $3 million to $5 million
  • Ages 51-60
    • Exam-Free: Through $2 million
    • Exam-Free (with EHR or APS): Over $2 million to $3 million

Puerto Rico applicants will be required to upload a copy of their driving record with their application.

Additionally, non-US citizens are now eligible for Exam-free Underwriting up to $500,000.

InstApproval remains available up to $1 million.

Find out more about these changes from F&G...

FROM F&G...

How F&G is working to earn all your life business

Middle market and more

With the recent expansion of Exam-free Underwriting, it’s easier than ever to consider F&G your one-stop shop for indexed universal life (IUL).

While F&G remains laser-focused on helping tens of thousands of middle-market families each year protect their loved ones and better prepare for retirement, they’re now positioned to compete for your bigger policies, too.

The products, people and processes you know and love – now for face amounts as high as $5 million. That’s right, no exams for policies of up to $5 million.

Exam-free coverage. F&G handles simple. You handle life.

Offer clients a streamlined underwriting experience on applications up to $5 million in initial death benefit through age 50 and $3 million for those age 51 to 60.

These new limits apply to all US citizens, including those in Puerto Rico, which previously had separate limits.

  • Ages 0-50
    • Exam-Free: Through $3 million
    • Exam-Free (with EHR or APS): Over $3 million to $5 million
  • Ages 51-60
    • Exam-Free: Through $2 million
    • Exam-Free (with EHR or APS): Over $2 million to $3 million

Puerto Rico applicants will be required to upload a copy of their driving record with their application.

Additionally, non-US citizens are now eligible for Exam-free Underwriting up to $500,000.

InstApproval remains available up to $1 million.

Find out more about these changes from F&G...

ProdMod: Security Mutual Life Launches SecuritySP Single Premium Whole Life

Published on May 1, 2026

FROM SECURITY MUTUAL LIFE...

Security Mutual Life has introduced SecuritySP, a new single premium whole life (SPWL) solution designed for clients seeking efficient wealth transfer and simplified permanent coverage.

Funded with a single premium, SecuritySP provides guaranteed lifetime death benefit protection with immediate cash value accumulation, along with a one-year return of premium option for added flexibility. The product is built on a simplified issue process (five underwriting questions), making it accessible for a broad range of clients.

In addition to its core death benefit focus, SecuritySP includes living benefit riders for chronic, critical, and terminal illness, allowing clients to access a portion of the death benefit if needed.

This new SPWL offering supports multiple planning scenarios, including:

  • Wealth transfer and legacy planning
  • Estate settlement and tax liquidity strategies
  • Use of idle assets such as cash, CDs, or inherited funds
  • Business planning applications like executive bonus arrangements

SecuritySP is available beginning May 4, 2026.

Find out more about these changes from Security Mutual Life...

ProdMod: Nationwide Launches CareMatters II in New York

Published on April 30, 2026

FROM NATIONWIDE...

Nationwide CareMatters II has launched in New York

CareMatters II offers the same cash indemnity benefits as the current solution in New York (Nationwide YourLife CareMatters) and includes the following enhancements already available with CareMatters II outside of New York:

  • Separately identifiable premiums
  • Two new payment options: Pay to age 65 and pay to age 100
  • A maximum LTC benefit Return of Premium option
  • An additional inflation protection option of 3% compound interest

New York Regulation 187 product training is available across training platforms by searching: CMIINY

To learn more, review Nationwide’s Product Highlights and Side-by-side.

Find out more about these changes from Nationwide...

AdminUpdate: Mutual of Omaha Conversion Changes & Advisor Impact

Published on April 29, 2026

FROM MUTUAL OF OMAHA...

Term Life Answers Conversion Updates – Effective May 1, 2026

Mutual of Omaha will implement updates to conversion options for the Term Life Answers (TLA) product, Effective May 1,2026.

Product Conversion Changes for policies written and issued after April 1, 2020:

  • Conversions from Term Life Answers to Life Protection Advantage Indexed Universal Life (IUL) will no longer be permitted.
  • Conversions to Income Advantage IUL and AccumUL Answers will remain available.

Updated Conversion Age Limits for new TLA policies written and issued after May 1, 2026:

The maximum conversion age will be reduced to 70 (from 75).

  • 10-Year Term:
    • Ages 18-67: Earlier of 10 years or age 70
    • Ages 68+: First 2 years only
  • 15-Year Term: Earlier of 15 years or age 70
  • 20-Year Term: Earlier of 20 years or age 70
  • 30-Year Term: First 15 years only

Transition Rules:

  • Conversion applications must be signed by April 30, 2026, and received and processed by May 15, 2026, to qualify under current conversion products and age guidelines.
  • Applications signed on or after May 1, 2026, and/or received after May 15, 2026, will be processed under the new guidelines.

Find out more about these changes from Mutual of Omaha...

AdminUpdate: Banner Life Retiring LGA Forms May 1

Published on April 28, 2026

FROM BANNER LIFE FAMILY OF COMPANIES...

ICYMI: Brand Update

Old forms will be sunset on May 1, 2026

In February, Legal & General America rebranded to the Banner Life family of companies. With the change in name comes a change in forms. All LGA forms will be sunset on May 1, 2026. That means no LGA-branded forms will be accepted after April 30, 2026.

You can find all the newly branded forms on Partner Dashboard. Please use the available forms to replace all your existing LGA-branded materials.

As a reminder, there are also new brand guidelines and resources available on the Banner Life family of companies’ website.

Find out more about these changes from Banner Life Family of Companies...

ProdMod: Principal Improves Term Pricing for Large Cases

Published on April 28, 2026

FROM PRINCIPAL...

Principal Term Reprice

Effective May 1, 2006, new rates will apply to new-issue Principal Term (10-, 15-, 20-, and 30-year) for both New York (PLIC) and non-New York (PNL) products

New rates are approved in all states except South Dakota.

Summary of May 1 changes:

  • This reprice includes updates to Base Nonconvertible, Base Convertible, and Conversion Extension Rider rates.
  • The new version displays in the illustration system as Term 2023 (05/2026) for both New York and non-New York products.
  • Created a new band of rates for $3 million+ to improve competitiveness at higher face amounts.

Transition Guidelines

  • May 1, 2026
    • The Principal illustration system and third-party quoting platforms are updated with the new rates.
    • Applications in underwriting will be issued at the rates applied for, unless new rates are requested. If requesting new rates, note the request on a cover letter/transmittal.
  • June 1, 2026
    • Last day applications can be received in the Home Office to get old rates - Term 2023 (04/2025) for non-NY, or Term 2023 (09/2025) for New York.
  • October 1, 2026
    • Last day for delivery requirements (including premium) to be received in the Home Office for policies requesting old rates - Term 2023 (04/2025) for non-NY, or Term 2023 (09/2025) for New York.

Backdating

  • Backdating is allowed

Find out more about these changes from Principal...

ProdMod: Foresters Term is Top of The Charts!

Published on April 27, 2026

FROM FORESTERS...

Your Term for Today’s Market

New rates. New bands. New reasons to say “Yes.”

Foresters has lowered their medical rates across every cell spanning all ages, durations and underwriting classes. It’s easy for Your Term to fit into your client’s budget!

Open the door with competitive prices. Keep the conversation going with amazing benefits and an empowering purpose.

Your Term medical at a glance

  • 10-, 15-, 20-, 25- or 30-year term lengths
  • Coverage available up to age 80
  • Now with four premium rate bands
    • Band 1: $100,000–$249,999
    • Band 2: $250,000–$499,999
    • Band 3: $500,000–$999,999
    • Band 4: $1,000,000+

Foresters Accelerated Underwriting helps more clients qualify quicker

If qualified, your client can obtain coverage without lab tests, medical exams or tele-med interviews, making the process quicker and more convenient. This streamlined approach helps you deliver a smoother experience and get clients protected sooner.

  • All eligible clients will be automatically assessed for acceleration
  • Expanded age up to 65
  • Expanded face amount limits up to $2,000,000
    • 18 to 60 up to $2,000,000 including tobacco users
    • 61 to 65 up to $1,000,000 including tobacco users
  • Broader eligibility, including smokers and those taking hypertension or cholesterol medications

Please see the formal announcement for additional details

Find out more about these changes from Foresters...

ProdMod: Nationwide Reduces Whole Life Rates in Core Ages

Published on April 17, 2026

FROM NATIONWIDE...

Nationwide Whole Life Reprice

Nationwide is happy to share that Nationwide Whole Life 100 and Nationwide 20-Pay Whole Life have undergone a targeted reprice, which has resulted in a 5% - 15% decrease in rates for ages 50-70.

Nationwide Whole Life 100 and 20-Pay Whole Life offers guaranteed protection that is not tied to dividends or market performance. These products provide certainty and stability for your clients, delivering lifelong coverage without relying on unpredictable returns.

This reprice is effective April 13th, 2026.

To learn more about Nationwide Whole Life, please see the Whole Product Guide

Find out more about these changes from Nationwide...

ProdMod: Prudential IUL & FlexGuard Index Cap Updates

Published on April 9, 2026

FROM PRUDENTIAL...

Q2 2026 Index Account Changes

Prudential is committed to maintaining financial discipline and continue to review hedge budgets and hedge costs that impact index accounts offered on currently sold and no longer sold products.

Their recent hedge budget and hedge cost experience allow the opportunity for increased caps across many of the index account and buffered strategies across their portfolio.

These changes will be effective for index segments starting April 15, 2026.

Please see the formal announcement for additional details.

Find out more about these changes from Prudential...

ProdMod: Lincoln Financial In-Force IUL Update

Published on April 8, 2026

FROM LINCOLN FINANCIAL...

Coming soon:

Additional indexed accounts are being made available to select inforce Indexed Universal Life insurance policies

Effective April 13, 2026, two new indexed accounts will be available on select in force IUL policies. These S&P based, enhanced volatility controlled accounts are being offered in response to the strong feedback received since their 2025 introduction in Lincoln’s Elite Indexed Universal Life Portfolio.

Featuring higher index volatility targets than typically available in the market, the new accounts offer clients additional optionality and expanded performance potential.

These updates reflect Lincoln’s continued commitment to evolving our indexed account lineup to meet producer and client needs while supporting long term policy performance opportunities.

Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

Deadlines for adjusting future allocations

For policy owners wanting to allocate to either of these new accounts, for segments maturing on April 15th, 2026, the deadline to submit the updated allocation form to Lincoln’s home office is April 13, 2026.

Adding the accounts to other IUL products

Lincoln Financial is actively working to make these accounts available on additional products as quickly as possible while ensuring a seamless and superior customer experience. Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

Illustration Software Updates

Lincoln DesignIt and WinFlex illustration systems will reflect v73.0D as of April 13, 2026. For the best experience and access to the newest features, consider using the DesignIt online version, which offers enhanced capabilities beyond the desktop application. DesignIt Desktop users will need an active internet connection before being prompted to update. If you need to download software, it is available on the Lincoln producer websites or from Field Office Technicians.

Please see the official announcement for additional details

Find out more about these changes from Lincoln Financial...

Nationwide CE Webinar Series: Stay Current, Stay Competitive

Published on April 6, 2026

FROM NATIONWIDE...

Nationwide is offering a series of continuing education (CE) webinars covering planning strategies that will help us all sharpen our tool set while accumulating continuing education hours.

The next virtual session is scheduled for April 9, making now the perfect time to reserve your spot and plan your CE credits.

These sessions cover timely topics across retirement, life insurance, and advanced planning strategies—giving you practical insights you can apply immediately in client conversations.

Whether you're looking to deepen technical knowledge or simply stay compliant, these webinars provide a convenient way to invest in your professional growth.

Register Now!

ProdMod: Mutual of Omaha Raises TLE & IULE Face Amount Limits

Published on April 2, 2026

FROM MUTUAL OF OMAHA...

Higher face amounts for TLE & IULE beginning 4-1-2026

Effective April 1, 2026, Mutual of Omaha is increasing the maximum face amounts available on Indexed Universal Life Express (IULE) and Term Life Express (TLE). This enhancement gives you more room to recommend coverage that better aligns with today’s lifestyles — without sacrificing the speed and simplicity you expect from our Express portfolio

What’s Changing

The maximum face amounts on IULE and TLE are increasing across all age bands:

  • Ages 18–50: from $300,000 to $550,000
  • Ages 51–60: from $250,000 to $450,000
  • Ages 61–75: from $150,000 to $350,000

These higher limits apply to new business policies only and are available beginning April 1, 2026

Find out more about these changes from Mutual of Omaha...

ProdMod: North American Announces IUL Rate Changes

Published on April 2, 2026

FROM NORTH AMERICAN...

Updates to cap rates, participation rates, spreads, and maximum illustrated rates

North American is pleased to announce increased cap rates on select inforce indexed universal life (IUL) policies. In addition, they are making some changes to participation and spread rates for currently marketed products, and updating our maximum illustrated rates.

Software update

The illustration software has been updated as of April 1, 2026.

Raised cap rates on select inforce IUL products

North American will be implementing a +0.25% increase to S&P 500 Cap rates for the following products:

  • Builder IUL7
  • Builder IUL8
  • Builder Plus 1

No other cap, participation, or spread rate changes are being made to the inforce business. These changes will take effect for index segments that renew on or after April 1, 2026.

Please see the full IUL Rate Update Bulletin for additional details

AG49-C: Changes to IUL illustrations

The National Association of Insurance Commissioners (NAIC) has adopted a new update to Actuarial Guideline 49 (AG 49). The Life Actuarial Task Force as approved this update, referred to as AG49-C, which further refines how indexed universal life (IUL) insurance illustrations may be presented.

These changes will not impact competitiveness or illustrated policy performance. They will only impact the tables and disclosures permitted within illustrations to help increase consistency and transparency in how illustrated performance is shown.

Please see the full AG49-C: Changes to IUL Illustrations Bulletin for additional details

Find out more about these changes from North American...