Joel Hurwitz

Should we think that the earnings impact is similar to that premium impact over time? Or is there another way we should you thinking about earnings impact from that deal?

Are you seeing pressure from other states? And just how should we think about a potential impact to top line earnings in the U.S.?

Virgil, can you just talk about what you saw in terms of sales in the quarters? And I guess, any color on how the group life and disability and dental sales were versus expectations?

Can you just provide some more color on how the cancer sales trended in the quarter? And then how demand is for the new Tsumitasu repriced product?

On US sales, Virgil, can you just provide some more color on what you are seeing in the competitive environment that's impacting your sales?

does that factor in any expectation for remeasurement gains?

the $600 million to $700 million is above the $500 million to $600 million run rate you mentioned a few quarters ago. I guess, what's the driver of the increase there?

can you just talk about what you're seeing from a competitive landscape across the various markets you play in

Can you maybe talk about the outlook for flows or provide some more color on the strong pipeline that you mentioned

Did you guys see any increased surrender activity in Q4 thus far in Q1? And I guess, is there anything baked into your outlook for potentially higher surrenders

you mentioned that you guys had tapped the US retail retirement space with low reinsurance. Can you just provide an update

any color on the performance of the business this year and how third-party flows have been?

any material changes to the assumption set there? We've seen a couple of players have some adverse incidence trends

The top line is running well ahead of your guidance. I guess, just what's fueling the better-than- expected growth again in '25?

you guys had highlighted regional business growth. Can you just provide some more color on the growth you're seeing in that regional market

Other Asia sales were very strong in the quarter. Can you just unpack what you saw there? And then I guess with the increased geopolitical tensions. What are you seeing in April thus far?

benefits to those sales? And then when I think about your overall businesses, sorry. Yeah. I was when I think about your overall businesses, you still have the, like, the legacy LifeBlock. Any pote...

any early outlook on how 1/1 renewals and new business is shaping up?

I think in the prepared remarks, Joel mentioned that growth is expected to pick up in the second half of this year. Just curious what you're seeing that gives you confidence in that

It looks like in investment management, you're selling another one of your boutiques with with Post Advisor Group for sale

you have the 9% to 12% EPS growth target. How do you feel about that just given the current macro backdrop?

can you just provide some more color on sort of how much flexibility you have on the expense side and what you've sort of taken thus far in Q2?

What are you expecting for '25? And just any more color on variable investment income expectations and performance fees in Investment Management for the year?

Could you provide some more color on just the level of stabilization you saw with participant withdrawals?

going back to Gibraltar sales, I heard you say no issues on any of the POJ issues carrying over to Life Consultants

Any more color on the expected benefits that you expect to emerge next year

what's the impact to your cash flow from international? And does that drive any impact to your overall capital deployment outlook

are you seeing any sort of impact just given the legal case out there