Refer to the input text as context and select the correct relationship between 'minimal' and 'retail' from the available options.
Options: distributed by, industry, manufacturer, publisher

Further, as we have repriced and restructured many of our products, our new business margins generally remain within our targets at currently minimal returns [ph] Sales were significantly lower in the quarter, especially in the retail annuity market, as our distribution partners responded to their own challenges.
industry