some serious issues to digest this past week, very serious issues we were looking back over the last 25 years. i don t want you to think that we get so bogged down with the serious stuff that we do not step back we take the new seriously don t ever think that we don t but that doesn t mean that we do not take herself seriously, at least not all the time. the proof after this. neil congratulation on 25 years, you ve proven a really good guy can shut it down, here s to 25 more my friend. ey e steps that give me confidence. this is my granddaughter.she s cute like her grandpa. voya doesn t just help me get to retirement. .they re with me all the way through it. voya. be confident to and through retirement.