An important feature that distinguishes insurance from other sectors of the economy is the timing of the exchange of considerations. In manufacturing, payments for goods are typically made at the time of a transaction. In contrast, for insurance, money received from a customer occurs in advance of benefits or services; these are rendered at a later date if the insured event occurs. This leads to the need to hold a reservoir of wealth to meet future obligations in respect to obligations made, and to gain the trust of the insureds that the company will be able to fulfill its commitments. The size of this reservoir of wealth, and the importance of ensuring its adequacy, is a major concern for the insurance industry.