Wilma Burtis

“Just following up on every, maybe you can give us a little bit more color on the market synergies in the product suite. And maybe just give us a little bit more color on the financial impact there?”

“Reported operating expenses seem to improve considerably. Can you give us some color on where you are as far as rolling on the ZBB benefits and, you know, where should we expect that to trend in the coming quarters?”

“Given this is a relatively normal quarter for mortality, is this a good run rate in terms of EPS?”

“And then can you talk about what increased the fixed annuity spread in the quarter, how the outlook is shaping up there? And then I guess on the other side of this question, what drove the factors of the decrease in the NII guidance?”

“Life insurance sales were elevated this quarter. Is there anything in particular driving the increase that we can expect going forward for life sales? Thanks.”