Ryan Kruger

“First question was, can you say how much of an assumption review benefit that you embedded in the midpoint of your 2027 EPS guidance?”

“My first question was on the asset repositioning that you did during the quarter. Maybe, I guess first, maybe a little bit more detail on what you did, but then probably more importantly, to what extent do you see additional opportunities to do more of this going forward.”

“First, I wanted to extend our best wishes to Tom for, in terms of our question, I guess, on the Axe of Santander hearing, can you give us just any, are you able to provide any color on kind of your takeaway and view of how the hearing went in July as it's a bit difficult admittedly to follow it from here sometimes?”

“I guess first question is on in terms of shifting business mix, I get the emerging markets and some of the inorganic things you're looking to do.”

“One question on stop loss, just when you put everything together on the trends that you're seeing, do you feel like you can get back to your target margins in that business in 2027 at this point?”