This chart reflects new business value metrics for MetLife's major segments for the Past 5 years, including an update for 2022. As mentioned by Michel, MetLife invested $3,700,000,000 of capital in 'twenty two To support new business, this was deployed at an average unlevered IRR of approximately 17% with a payback period of 6 years, generating roughly $2,300,000,000 in value. I will now discuss our cash and capital position on Page 12. Cash and liquid assets at the holding companies were approximately $4,900,000,000 at September 30, which is above our target cash buffer of $3,000,000,000 to $4,000,000,000 And higher than our $4,200,000,000 at June 30. The cash of the holding companies reflects the net effects of subsidiary dividends, A $1,000,000,000 senior debt issuance in July, payment of our common stock dividend, share repurchase of roughly $800,000,000 in the 3rd quarter, as well as holding company expenses and other cash flows.