Ryan Krueger

Can you just talk about the key drivers of expected improvement in the benefit ratio as the year goes on towards the 60% to 63% outlook?

could you talk a little bit about how big of an opportunity you think that is perhaps for Aflac, I guess, over time?

When it comes to inorganic, are you mostly looking at smaller things that would add capabilities? Or would you actually consider something more meaningful?

you had a 64% to 66% Japan benefit ratio target over the next few years coming into this year. Following the assumption review in Japan, do you think that's still a good range?

there was like -- there was -- seems to be a step-up in the NII in Japan. Can you give a little bit more color on things that benefited your NII trajectory there?

do you think you'll continue to see stronger cancer sales for the balance of the year because of the new product launch?

should that be our expectation that in the second quarter, you'll see a pretty meaningful positive impact from the cancer launch?

Can you talk more about the offset though within the rest of the organization that would -- I believe you're more economically insensitive on a consolidated basis?

just any update on the Signature Wealth rollout and how that's been going so far

On the client cash within the wealth management platform that is in non-Ameriprise products, have you started to see any movement there

Are they pulling back at all from transactional activity? Or putting new money to work

They were down 5% in the quarter. Can you give some commentary on how you're thinking about G&A for the rest of the year?

you saw a pretty big increase in organic growth in the fourth quarter to 8% from the more recent 6% trend

Can you give us a couple more details on your 2026 guidance in terms of admin expenses and excess NII growth?

the expected benefits are likely to start emerging in 2027 and beyond. Is that right?

trying to think about what your free cash flow conversion could look like following Bermuda. It seems like maybe it could be about 60% or so

you just have the full year free cash flow expectation for this year?

could you give us a little more color on the key drivers that impacted this quarter?

Can you talk a little bit more about the positive dynamics you're seeing that drove this?

Can you provide some additional color on the strength that you saw? What were the key drivers? And what do you think will -- to what extent can this momentum continue going forward?

I think you typically do have some expense seasonality in the fourth quarter. Can you give us any rough magnitude of what to expect there?

on retirement spread, would you expect them to continue to be stable with the first half of the year and the second half of the year?

Could you give a little bit more color on the strong sales in both Japan and Korea and your thoughts on that if that can continue going forward?

in group benefits, PFO growth, I think ex participating policies was towards the lower end of your target. Can you give a little bit more color on what you're seeing

To what extent is it influencing changes in how you're managing the company, I guess, for example, are you -- would you anticipate any changes to the capital management strategy or the expense stra...

Can you give some additional details and color on one-one renewals, what you saw in terms of competition pricing

are you starting to see any level of lean in that market as plan sponsors might be more concerned about this lawsuit activity

Can you provide some more color on the favorable underwriting experience you had across dental, life and disability and also just how you're thinking about the outlook from here

Are performance fees still expected to be fairly modest in the fourth quarter? Has anything changed?

Can you talk a little bit about any changes you're seeing in investor sentiment from your clients in particular appetite for the areas that you're focused on

can you talk a little bit more about what you're seeing in dental both both from top line standpoint as well as as a as a loss ratio standpoint

you've also seen withdrawals be somewhat elevated, which has you know, led to flows not improving anymore. Can you give a little bit more color on the withdrawal side of things

Could you talk a little bit about client behavior in your asset management business, I guess, amidst the elevated market volatility

There has been more talk of, I guess, particularly by alternative asset managers about getting more private assets within 401(k) plans

can you provide some initial thoughts on the pension reform that was passed in Chile and how to think about how that may impact Principal going forward

Can you give us some more color on just what factors led to this in the current quarter

Any change to your corporate guidance that you had given last quarter, given the favorable expenses this quarter

one alternative that could limit that would be pursuing more variable annuity risk transfer

you had announced that you were pursuing a strategic partnership with The Dai-ichi. Is there anything you can provide in terms of an update

can you give an update on the U.S. pension risk transfer market and why you think it slowed down

it sounds like it's something that you're doing to try to improve margins and expenses, but also growth. So can you give a little bit more perspective on that

I was hoping you could expand on what you mean by that, and if that was more about where you're organically allocating capital to grow or if that refers more to things that could involve M&A or div...

Is that something that you think you can get into the range this year, or will it potentially take some time through this three-year period

Do you think this will have any impact on Prudential's transaction pipeline, or do you view this more as a one-off issue

Can you give more color on how you may use that capital over time? Are you holding it for potential opportunistic M&A