Take context from the input text and decide on the accurate relationship between 'minimal' and 'retail' from the options provided.
Options: publisher, industry, manufacturer, distributed by

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