Question-and-Answer SessionI think from first question standpoint, I'm sensing a lot of anxiety from investors just around the P&C pricing cycle broadly. And so I wanted to see if you could discuss what you're seeing in Hartford's markets? And any views you might be able to offer up around softening and how will it play out, how impactful is it for your business versus some of the things you all are doing to compound book value in the meantime regardless.Christopher SwiftChairman & CEO Yes. Well, I'll just ...