The company's total debt to total cap ratio, excluding our non insurance company, improved to 22.5% at June 30, 23 compared to 23.7% at December 31, 2022 and reflected the strong net earnings that we reported in the 1st 6 months of 2023 of $2,000,000,000 that included the underwriting profit of $651,000,000 interest and dividend income of 847,000,000 and a share of profit of associates of $603,000,000 The holding company has no significant holding company debt maturities until August 2024 and lastly, a comment on our common shareholder equity, which increased by 1.6 $1,000,000,000 to $19,400,000,000 at June 30, 2023, from $17,800,000,000 at December 31, 'twenty 2, and it reflected the net earnings of the $2,000,000,000 noted, which was partially offset by Payments of common and preferred share dividends of $270,000,000 and purchases of 179,000 subordinate voting shares for cancellation for cash consideration of $115,000,000 or approximately $6.39 per share. That concludes my remarks for the Q2 of 'twenty three, and I'll turn the call back over to Prem.