Mike Ward

if you guys have seen any change in the lapse paid up or surrender behavior given the inflationary kind of pressure and higher rates in Japan

how interested you guys might be in something that could really help you leapfrog in the U.S. specifically in a diversified way

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

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

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?

is there a dynamic where there is just so much money new money going into AI and data center build outs

if you could kind of help quantify how this result compared to, you know, kind of a normal quarter?

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

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

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

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

dig in specifically a little bit more into the capabilities or kind of types of assets in asset management or for PGIM that you might be particularly interested in

can you expand on anything that gives you confidence in your ability to resume and continue growth and new business production

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

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

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