Tom Gallagher

“Do you guys have much U.S. group disability exposure, and if so, how is the performance this quarter, and how would those be structured? Would you see it mainly now, or could there be a lag?”

“First question is, what percent of your APAC business is Hong Kong, and within Hong Kong, how much is MCB? and obviously just asking this because of what's come up lately with change in tax law and the potential that the MCB business could slow.”

“Michelle, just wanted to come back to the M&A question for a minute. Heard your answers, asset management and group, adjacent businesses and group. On the remain opportunistic comment, though, I think there's some emerging market properties that we heard yesterday are going to become available for sale.”

“First one, John, did you say $170 million of stat net income in 1Q, and if so, anything in particular that was weighing on that result, and how, maybe more broadly, how are you feeling about capital generation to start the year overall?”

“If you have a net MRB asset of 4.2 bill, the equity only 1.7 billion, and what would the other accounting adjustment be on where the value of the net MRB asset is going to?”