Jack Matten

“The first one I had on group retirement, it looks like you're seeing the strategic benefits of the shift toward wealth management and fee-based earnings. I'm wondering how we should think about the timing of the earnings inflection from that shift.”

“Just a follow-up on the strategic initiatives, and you talked about it in the letter, including the enhanced cross-sell platform. I'm just wondering if you could unpack that a little bit more.”

“Just one follow-up on the individual retirement spread outlook. I guess if you look at the longer-term kind of base spread profile over the past decade plus, it's currently going to attract me closer to the lower end of that range.”

“I just did want to follow up on the Japan benefit ratio. So any way for us to think about the statutory or economic margin change that you're seeing? I know there's different dynamics between how the ways product accounting works and the net premium ratio change is also a big driver of the GAAP update.”