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Tony Cheng; President, Chief Executive Officer, Director; Reinsurance Group of America Inc. Axel André; Executive Vice President & Chief Financial Officer; Reinsurance Group of America Inc. Jonathan Porter; Executive Vice President, Global Chief Risk Officer; Reinsurance Group of America Inc. Leslie Barbi; Executive Vice President, Chief Investment Officer; Reinsurance Group of America Inc. Good morning, everyone, and thank you for joining our call. Last night, we reported adjusted operating earnings of $5.66 per share. Our adjusted operating return on equity, excluding notable items, was 15%. I consider this to be a very good quarter, and it provides a strong start to the year. We achieved these results through a balance of strong performances across many of our geographic regions and products. 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