Book value per diluted share excluding AOCI was $33.94, up 6%. Turning to Slide 5 and our growth scorecard. Our growth scorecard metrics for the quarter and the full year reflect our continued focus on and investments in our strategic growth priorities. We expect to build on this momentum in 2024. I'll discuss each division in the next two slides. Beginning with the Consumer division on Slide 6. We delivered a strong production year, illustrating the value and attractiveness of our business model and approach to serving our market. Our unique capability to marry a virtual connection with our established in-person agent force who complete the critical last mile of sales and service delivery remains a key differentiator. Total NAP was up 6% for the full year, led by 16% sales growth in field agent NAP.