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Operator: Good day, and welcome to the Reinsurance Group of America Fourth Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode.

United statesUnited kingdomJonathan porterTony chengJeff hopsonPiper sandlerJanna manningJohn barnidgeTodd larsonJimmy bhullarFinancial solutionsUs individual health businessReinsurance groupAsia pacific financial solutionsCapital solutionsReinsurance group of america fourth quarter