Based on our 81.6% ownership of Enact, we anticipate receiving approximately $245 million for the full year through a combination of its quarterly dividends, share repurchase program and a special dividend. Year-to-date, through the end of July, we have received $96 million in capital returns from Enact. Going forward, returns of capital from Enact will continue to enable Genworth to generate excess cash flow for capital deployment. Turning to long-term care insurance. Slide 8, highlights our strategic focus for LTC and the progress on our multiyear rate action plan to protect our claims paying ability and build resiliency for the U.S. life insurance companies to be managed on a stand-alone basis. We have a very successful track record of working with state insurance regulators to achieve premium rate increases as demonstrated over the last 11 years.