We appreciate your participation today and invite you to visit Lincoln's website, www.lincolnfinancial.com, where you can find our press release and statistical supplement, which include a full reconciliation of the non-GAAP measures used in the call, including income from operations and return on equity, to their most comparable GAAP measures.Also, presenting on today's call are Dennis Glass, President and Chief Executive Officer; and Randy Freitag, Chief Financial Officer. After their prepared remarks, we will move to the question-and-answer portion of the call. I would now like to turn the call over to Dennis. Dennis R. Glass Thank you, Jim, and good afternoon, everyone. Overall, it was another excellent quarter for us with all of our businesses delivering solid results. Our strong performance underscored the strength of our franchise, flexibility of our balance sheet and the aggressive actions we continue to take in response to difficult macroeconomic trends. We expect that the tough macro conditions will continue as will the deliberate steps we are taking to keep us on track for delivering on our long-term goals and objectives. Let me now share some highlights from the quarter. We ended the second quarter with operating return on equity at 12%, book value per share growth of 5%, income from operations per share of 8% and operating revenue growth of 2%, all clear indicators that we are delivering on the strategies we have discussed with you in the past. Increased deposits and positive net flows in Retirement Plan Services, as well as strong top line results in Group Protection, demonstrate that our investments in talent, technology and distribution are yielding results. In addition, although Life sales were mixed, we did experience strong results in the higher return products we had pivoted to the past several quarters. And finally, our strong capital position enabled us to repurchase another S150 million in shares. With our current valuation inconsistent with the actions we have taken and the results we have achieved, buying our shares is one of our best capital management uses.