Anthony OstlerThank you, Anne, and good afternoon. Welcome to Manulife's conference call to discuss our fourth year 2011 and full year 2011 financial and operating results. Today's call will reference our earnings announcement, statistical package and webcast slides, which are available in the Investor Relations section of our website at manulife.com. As in prior quarters, our executives will be making some introductory comments. We will then follow with a question-and-answer session. Available to answer questions about their businesses are the Heads of Japan, the U.S., Canada, Investments and General Account Investments. Today's speakers may make forward-looking statements within the meaning of securities legislation. Certain material factors or assumptions are applied in making forward-looking statements, and actual results may differ materially from those expressed or implied. For additional information about the material factors or assumptions applied and about the important factors that may cause actual results to differ, please consult the slide presentation for this conference call and webcast available on our website, as well as the securities filings referred to in the slide entitled Caution Regarding Forward-Looking Statements. [Operator Instructions] With that, I'd like to turn the call over to Mr. Donald Guloien, our President and Chief Executive Officer. Donald? Donald A. Guloien Thank you, Anthony. Good afternoon, everyone, and thank you for joining us today. We're joined on the call by our CFO, Michael Bell; as well as several members of our senior management team including our U.S. General Manager, Jim Boyle; our Canadian General Manager, Paul Rooney; our Japan General Manager, Craig Bromley; Warren Thomson, our Chief Investment Officer; Scott Hartz, our Executive Vice President, General Account Investments; Cindy Forbes, our Chief Actuary; and Rahim Hirji, our Chief Risk Officer. This morning, we reported our fourth quarter 2011 and full year 2011 financial results. We are pleased with our improved full year 2011 net income, which is $129 million and improvement of $1.8 billion over the prior year. With the end of 2011, I'm pleased to announce that we achieved our 3-year product mix repositioning in all 3 of our geographies.