Thank you. Our plans to continue to drive organic growth, effectively deploy capital and to achieve cost savings are delivering results. In 2019, we demonstrated our ability to accomplish the targets that we have set while further transforming our Company. The sale of our Individual Life business accelerates our plans to generate free cash flow from the business, reduces risks and marks the completion of a fundamental restructuring of Voya. We have a clear strategy with high-growth, high-return capital-light businesses. Our focused and complementary business mix serves to expand our presence in the workplace and with institutional clients. It's also creating a greater opportunity for investors, enabling us to continue growing EPS by at least 10%, while doing so with high free cash flow conversion.