Mike Ward

is there any anti-U.S. sentiment growing there from a trade war that could pose incremental sales challenges?

should we think about you being comfortable continuing in excess of operating income and even at this level

how fair is it to assume that we might be relying on first sector sales maybe more heavily than we previously thought in order to reach the Japan sales targets?

the actual change takes place in the second half, 4Q, specifically. Is that right

you expect margins to be in line with other software companies. When will we see those types of margins

Is that inventory discipline is that going to continue? And are the implications for cash flow?

this announcement by the industrial bank, and I think FDIC approval the other day, that seems like a bigger deal than it just on the outset

it seems like there's been a pretty significant cultural shift at General Motors to move fast. And I'm just curious, does that make GM less capital intensive

the surplus cash, you're just going to keep buying back the stock until we see otherwise. Is that the right way to read it?

I wonder if you could walk through the accounting for the $600 million you called out on the delta with the EVs

just as it relates to tariffs, you're taking as the world sits today and you talked about the input $4 to $5 billion mitigation, What would be the best case scenario?

if USMCA is renegotiated a year early, what impact does that have on you

What are some of the things you've done that have stepped up your ability to generate cash?

I'm just curious your sort of stance on that issue and how you see that heading going forward for the industry?

did the M&A that you did in the quarter? Like did that contribute at all to the new business growth?

I was just wondering if you could comment on how you're approaching the buyback in this volatility

you guys touch a lot of different classes. I was just wondering if you see any pockets of weakness

you specifically mentioned macro-driven uncertainty driving claim incidence and severity

longer term, should we expect some free cash flow and ESR impact

had any update on in Japan on policyholder behavior in January or year-to-date thus far

now that we have a manageable range on the ESR. I'm just wondering how you might -- if you're able to sort of rank your priorities on the capital use front

how do the earnings -- How do the margins compare on LRT versus PRT

what product lines that was in and if we're seeing that big growth, like, if it's estate planning, could sales could that actually open up for a little bit more earnings volatility