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Operator Good morning, ladies and gentlemen. My name is Blue, and I ll be your conference operator today. At this time, I would like to welcome everyone to the Sun Life Financial Q4 2020 Financial Results Conference Call. [Operator Instructions] The host of the call is Leigh Chalmers, Senior Vice President, Head of Investor Relations and Capital Management. Please go ahead, Ms. Chalmers. Leigh Chalmers Senior Vice-President, Head of Investor Relations and Capital Management Thank you, Blue, and good morning, everyone. Welcome to Sun Life Financial s Earnings Conference Call for the Fourth Quarter of 2020. Our earnings release and the slides for today s call are available on the Investor Relations section of our website at sunlife.com. We will begin today s presentation with an overview of our fourth quarter results by Dean Connor, President and Chief Executive Officer of Sun Life Financial. Following Dean s remarks, Kevin Strain, Executive Vice President and Chief Financial O

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