Good morning, and thank you for joining us today. Let me begin this morning with a review of Aflac Japan, our largest earnings contributor. We were again pleased with Aflac Japan's strong financial performance and sales momentum that continued in the second quarter. Following 2 tremendous years and an impressive first quarter, new annualized premium sales rose 47.4% to JPY 53.2 billion in the second quarter. These results, again, greatly surpassed our expectations and set a production record for the fourth straight quarter. For the first half of the year, Aflac Japan's totally new annualized premiums in yen rose 50.5%. Aflac Japan's revenues grew by 9.2% for the quarter and 8.5% for the first 6 months. Pretax earnings for the quarter were JPY 77 billion, up 2.4%; and for the 6 months, pretax earnings were JPY 160 billion, up 2.8%. Premium income increased 9.7% for the quarter and 8.8% for the 6 months, benefiting from the stronger sales of our WAYS product. I would also note that persistency remained strong.