Turning to Slide 4, on the second topic of growth. I want to spend the next few minutes discussing the quarter for both of our segments. In Risk Solutions, overall organic revenue growth was 4% with growth across every major business. As market-related conditions continue to stabilize, we're driving a set of initiatives that are strengthening underlying performance and positioning our Risk Solutions segments for long-term growth and leverage to an improving economy with management of our renewal book through Client Promise and retention rates of 90% or better on average, highlighting strong client satisfaction.New business generation of approximately $250 million across our Retail business with strong growth across many markets including China, New Zealand, Benelux, France, U.S. Retail, Latin America and Affinity, just to name a few, highlighting the strength of our global client-serving capability; investments in new products and service capabilities with the rollout of GRIP and Aon Broking globally; and in our core treaty reinsurance business, net new business trends have now been positive for 5 consecutive quarters. Reflecting on the individual businesses. In the Americas, organic revenue growth improved to 4% compared to 2% in the prior year quarter. Exposures were relatively stable and the impact from pricing was modestly positive, reflecting a continued modest pace of improvement from a year ago. We saw solid management of the renewal book portfolio in U.S. Retail and Affinity, strengthened by the continued rollout of Client Promise. We also saw solid new business growth in Latin America. Overall, results reflect strong performance, overcoming continued market weakness in certain areas such as the commercial construction sector. In International, organic revenue growth was 3% against pricing which was flat on average overall with firmer pricing in cat-exposed regions. We saw strong growth in New Zealand across many regions in Asia and the emerging markets including double-digit growth in many areas such as China, Thailand, Hong Kong and New Zealand. In the U.K. and Continental Europe, macroeconomic conditions remain fragile across many core markets. However, with leadership positions across the U.K. and Europe, we saw strong retention rates and management of our renewal book portfolio would deliver modest growth overall, a solid performance given economic headwinds.