ringfencing them to a full range of independent medical aid, gap cover, and short-term, and employee benefit fixed – not potential. 30% ongoing on short-term, medical aid, gap cover, and employee benefits referrals ringfencing them to a full range of independent medical aid, gap cover, and short-term, and employee benefit fixed – not potential. 30% ongoing on short-term, medical aid, gap cover, and employee benefits referrals