<p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: justify"><span ><span >接保司通知,<strong>国联人寿平安如意B款两全保险将于2023年11月30日22:00下架停售</strong>;</span></span></p><p style="text-align: justify"><span >这是近几个月来</span><span >,第一次有顶级回报的产品正式宣布下架。</span><br /></p><p style="text-align: justify"><span >这也侧面印证了,利率下行趋势不可避免,3%定价的保险终于也要扛不住了。</span></p><section ><section powered-by="xiumi.us" style="text-align: justify"><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section><section ><section powered-by="xiumi.us" style="text-align: justify; color: rgb(34, 101, 193)"><p ><span ><strong >01</strong><strong ><br /></strong></span></p></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify"><span >先来看看基本的产品责任:<br /></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwg3GJicjGtF5JWkwuhlSETRl5SunWibSXzDbDiausHONCHDzLDOAAqJs4Qw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwg3GJicjGtF5JWkwuhlSETRl5SunWibSXzDbDiausHONCHDzLDOAAqJs4Qw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >平安如意B款<span ><span >支持</span><span style="color: rgb(0, 128, 255)">0-70周岁</span><span >投保,</span></span></span><span >缴费期支持趸,3,5,10年交费。</span></section><section style="text-align: justify"><span >保障责任没啥死角,减保写进合同,年度减保上限20%保费。</span></section><section style="text-align: justify"><span >支持保单贷款和隔代投保,贷款利率为5.8%。</span></section><section style="text-align: justify"><span >关于国联人寿,很多想上车的客户往往可能会有顾虑,觉得公司不够大不放心,投了钱万一以后拿不出来怎么办!</span></section><section style="text-align: justify"><span >实际上,国联人寿隶属于国联集团,这家集团公司是一家大型国企,金融、实业和投资等板块均有涉及:</span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTPGwTLECfqL3YP5wiam4wicPicwsjsG19rJgTiaYiaWUReeuaYsrFicrk61E8OHR056Pan1SL2WI9r2r07A%2F640%3Fwx_fmt%3Djpeg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTPGwTLECfqL3YP5wiam4wicPicwsjsG19rJgTiaYiaWUReeuaYsrFicrk61E8OHR056Pan1SL2WI9r2r07A/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: justify"><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >除了国联人寿这块保险牌照,在金融领域,国联集团还有证券、信托等牌照,集齐这些非常难得。</span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >就背景来看,</span><span >无论是国联集团,还是旗下的国联人寿,</span><br /></section><section style="color: rgb(34, 34, 34); text-align: justify"><span ><span ></span></span></section><section style="color: rgb(34, 34, 34); text-align: justify"><span >背后的实际控制人都是</span><strong >无锡市人民政府国资委。</strong></section><section style="color: rgb(34, 34, 34); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPGwTLECfqL3YP5wiam4wicPicS4JeGMiabQj7DzyBwjg9nBt6VatJic5YQ3wklxmCNCgBEYPcW3vMg6XA%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPGwTLECfqL3YP5wiam4wicPicS4JeGMiabQj7DzyBwjg9nBt6VatJic5YQ3wklxmCNCgBEYPcW3vMg6XA/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >因此,关于公司,真的不需要担心啥了~<br /></span></section><section ><section powered-by="xiumi.us" style="text-align: justify"><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section><section ><section powered-by="xiumi.us" style="text-align: justify; color: rgb(34, 101, 193)"><p ><span ><strong >02</strong><strong ><br /></strong></span></p></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify"><span >我们还是以给10岁男孩购买,总投入30万为例,对比平安如意B款和市场上第一梯队增额寿的现金价值。<br /></span></section><section style="text-align: justify"><span >分趸交,3年交,5年交,10年交来看。<br /></span></section><section style="text-align: justify"><span style="color: rgb(136, 136, 136)">注:增额终身寿的「现金价值」就是退保当年能拿回的钱,也是减保取现的来源。<br /></span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)"><strong >1,趸交情况下</strong></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwggWbibF2KJD7XQB3bicYYxeYINIz5OemibqkfUcdTcx2ibRZKrvDyM7Qo8Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwggWbibF2KJD7XQB3bicYYxeYINIz5OemibqkfUcdTcx2ibRZKrvDyM7Qo8Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgpCU2ooKdUJibMgUX7vic6m6Qm8vWtwB7XMRmEKML7Yl2br9Weicl88amw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgpCU2ooKdUJibMgUX7vic6m6Qm8vWtwB7XMRmEKML7Yl2br9Weicl88amw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >平安如意B款<span style="color: rgb(34, 101, 193)">趸交,7年回本,9年退保利率就突破2.9%。</span></span></section><section style="text-align: justify"><span >保单第10年,现金价值达到39.99万,是已交保费的1.4倍,退保利率达到<strong ><span style="color: rgb(0, 0, 0)">2.916%。</span></strong></span></section><section style="text-align: justify"><span >保单第30年,现金价值达到72.2万,是已交保费的2.4倍,退保利率达到<strong >2.97%。直到保单后期50年,退保利率达到2.98%。</strong><br /></span></section><section style="text-align: justify"><span ><strong >对比现金价值:平安如意B款>金禧一生>增多多5号,且整个保单年度都是第一!</strong></span></section><section style="text-align: justify"><span >金禧一生在保单第15年退保利率刚突破2.9%,增多多5号则要到保单26年退保利率才能突破2.9%,</span></section><section style="text-align: justify"><span >尽管他们已经是市面上第一梯队的增额寿,但是趸交和金禧一生还是不能比~<strong ><br /></strong></span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)">趸交的话,平安如意B款肯定是首选,有预算打算一次性交清后面不用烦恼的直接选肯定没错!</span></section><section style="text-align: justify"><span ><strong style="color: rgb(34, 101, 193)">2、三年交</strong></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgvReCQUTmU3ic40MHKIhLIJEMibzAzlIH3iaCCaichVAOfQadXYr9ibuPJKg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgvReCQUTmU3ic40MHKIhLIJEMibzAzlIH3iaCCaichVAOfQadXYr9ibuPJKg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgNwF7wUPunics4flTwMZAMOUrtEU5VSDKXicez6iafXJwf5HJL3ibfTPxoQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgNwF7wUPunics4flTwMZAMOUrtEU5VSDKXicez6iafXJwf5HJL3ibfTPxoQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >平安如意B款三年交表现虽不比趸交,但仍是市场top3的好产品~</span></section><section style="text-align: justify"><span >三年交,看现金价值:<span >金禧一生</span>>增多多5号><span >平安如意B</span><span >款</span>。<br /></span></section><section style="text-align: justify"><span ><span >平安如意B</span></span><span >款在24个保单年度退保利率突破2.9%,</span></section><section style="text-align: justify"><span >与金禧一生和增多多两款差距很小,且都远高于其他产品。</span></section><section style="text-align: justify"><span ><span style="color: rgb(0, 128, 255)"></span></span></section><section style="text-align: justify"><span ><strong ><span style="color: rgb(34, 101, 193)">3、五年交</span></strong></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgFGymFShrHfWiaibEhwzHh2vk6AWQVqYfezY4QjxllkE77ws5WDPPe5gA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgFGymFShrHfWiaibEhwzHh2vk6AWQVqYfezY4QjxllkE77ws5WDPPe5gA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgSvPLBywOYHymsa3tFc7PUh1tflmphUncPrIrZhMWSqAcfeplriccp9w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgSvPLBywOYHymsa3tFc7PUh1tflmphUncPrIrZhMWSqAcfeplriccp9w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span style="color: rgb(0, 0, 0)">平安如意B款5年交和3年交结论一致。</span></section><section style="text-align: justify"><span style="color: rgb(0, 128, 255)">对比整个保单年度(10年之后),现金价值金禧一生>增多多5号>平安如意B款。</span></section><section style="text-align: justify"><span ><span style="color: rgb(0, 0, 0)">均好于其他产品~</span></span></section><section style="text-align: justify"><span ><span style="color: rgb(0, 128, 255)"></span></span></section><section style="text-align: justify"><span ><strong ><span style="color: rgb(34, 101, 193)">3、十年交</span></strong></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwghG3ZnBulFg0Ze9cZnQ1SSO4rv1hC3Q8X91Hibicdch220GKzqMjibKdhw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwghG3ZnBulFg0Ze9cZnQ1SSO4rv1hC3Q8X91Hibicdch220GKzqMjibKdhw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgLpRSrDgPZhZYnFnv5eHM09sKUdCGpiaEsg8qyIKuMGicMdK3VVcfKxAg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgLpRSrDgPZhZYnFnv5eHM09sKUdCGpiaEsg8qyIKuMGicMdK3VVcfKxAg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >平安如意B款十年交结论和前面一样。</span></section><section style="text-align: justify"><span >都是市场top3的产品,少有产品能媲美。</span></section><section style="text-align: justify"><span ><br /></span></section><section ><section powered-by="xiumi.us" style="text-align: justify"><section ><section powered-by="xiumi.us" ><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section><section ><section powered-by="xiumi.us" style="color: rgb(34, 101, 193)"><p ><span ><strong >03</strong><strong ><br /></strong></span></p></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: left"><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section><section ><section powered-by="xiumi.us" ><section style="text-align: center"><section ><section powered-by="xiumi.us" style="text-align: justify"><p ><br /></p></section></section></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify"><span ><strong ><span style="color: rgb(0, 128, 255)">总的来说:</span></strong></span></section><section style="text-align: justify"><span style="color: rgb(0, 0, 0)">作为当前增额市场的顶级产品,平安如意B款的下架肯定是一个损失。</span></section><section style="text-align: justify"><span style="color: rgb(0, 0, 0)">更重要的是,很难自我安慰这是个例。</span></section><section style="text-align: justify"><span style="color: rgb(0, 0, 0)">目前监管在要求银保实行“报行合一”后,已要求其他渠道跟进。</span></section><section style="text-align: justify"><span style="color: rgb(0, 0, 0)">像平安如意等高回报储蓄险,<span style="color: rgb(0, 0, 0)">“</span><span style="color: rgb(0, 0, 0)">报行不合一</span><span style="color: rgb(0, 0, 0)">”现象泛滥,存在极大的<span style="color: rgb(0, 0, 0)">费差</span><span style="color: rgb(0, 0, 0)">损风险</span>。</span></span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgrVM7GXiccHKh3qa2cgZeLkMcKnDmaNX7pxOKp8lrfQTtiaibJ2EYJqbKA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgrVM7GXiccHKh3qa2cgZeLkMcKnDmaNX7pxOKp8lrfQTtiaibJ2EYJqbKA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >以往还能靠利差益补足一些,可在利率下行环境下,利差损也是保险公司必须面对的问题。</span></section><section style="text-align: justify"><span >从复利4.025%,到3.5%,再到如今的3.0%,本身就是监管防范风险的举措。</span></section><section style="text-align: justify"><span >平安如意的下架,仅仅是一个开始而已。<br /></span></section><section ><span ><strong ><em ><span style="color: rgb(33, 89, 103)">有问题,可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgR6vnvLibngzLlXLAxbcoQ1CSgnM2zaxtxyv75EqmxhY1ySJ03ibLHw8Q%2F640%3Fwx_fmt%3Dgif%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgR6vnvLibngzLlXLAxbcoQ1CSgnM2zaxtxyv75EqmxhY1ySJ03ibLHw8Q/640?wx_fmt=gif&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><br /></section><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" style="text-align: justify"><section ><section powered-by="xiumi.us" ><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><section ></mp-common-profile></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文,查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助,帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span><span style="color: rgb(0, 0, 0)">吧</span>,谢谢!</span></p></section></section></section><section ><section style="text-align: justify"><br /></section></section><p ></mp-style-type></p>