In the case of an underwritten bond, the underwriters will charge a fee for underwriting. General insurance is underwritten by CGU Insurance. Life Insurance is underwritten by Zurich Insurance. Kogan Insurance is underwritten by The Hollard Insurance Company. Consumers without challenged credit loans should be underwritten with prime lenders. In other countries such loans are underwritten by governments or sponsors. Coverage amounts are lower than traditional fully underwritten policies. The policies were transferred to be underwritten by Desjardins Insurance on January 1, 2015. Eurobonds are characteristically underwritten, and not secured, and interest is paid gross. Although British Energy contributes to the NLF, the fund is underwritten by the Government. The National Treasury has fully underwritten the PPAs. Canadian policies were transferred to be underwritten by Desjardins Group on January 1, 2015. Production costs were heavily underwritten by McDonald's product placement. Cinevue writer Christopher Machell described the character as woefully underwritten. Income protection is normally underwritten at application.