In our international business, growth in the quarter was quite strong and up about 11% in constant dollars. Retail business through our ACE International division was up 12%. Our wholesale business through our London-based ACE Global Markets franchise was essentially flat. We benefited from double-digit growth in both commercial P&C and A&H in Asia Pacific and Latin America. Our business on the continent was up about 3% while our retail business in the U.K. was down due to competitive market conditions.

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