It turns out that in May 2018, the Financial Markets Authority looked at soft commissions in the life and health insurance industry, and these people are quite hard-nosed. They concluded that soft commissions were effective sales incentives for financial advisers. They found that a higher value of these soft commissions was related to higher sales incomes for insurers. They found that increased spending by insurers on soft commissions appeared to relate to increased sales—perhaps by only a small amount, but it was there. The qualification date for trips overseas appeared to coincide and to correspond with a peak in sales. When one insurer removed their overseas trips as a sales incentive, their sales dropped by about a third—so that's quite significant—but only 42 percent of commissions required the adviser to sell a particular number or a value, so there was a real incentive going on there. 