The Retirement segment reported adjusted operating income of $225 million for the current quarter, compared to $140 million in the year-ago quarter. Current quarter results include income of $78 million from a recovery, under a settlement, of prior losses attributed to certain client investment funds managed by a third party. Excluding this item, adjusted operating income of the Retirement segment increased $7 million from the year-ago quarter. This increase reflected a greater net contribution of approximately $40 million from investment results of the segment’s institutional investment products activities, driven largely by the initial results from two significant pension risk transfer transactions consummated during the current quarter, as well as higher fees associated with growth in account values. These increases were partly offset by a lower net contribution from investment results of the segment’s full service activities and higher expenses, including approximately $16 million of current quarter costs for items including business process improvements that we estimate are in excess of a baseline level relative to current business volume.The Asset Management segment reported adjusted operating income of $139 million for the current quarter, compared to $256 million in the year-ago quarter. Current quarter results include a $9 million charge for impairment of certain capitalized software costs based on a review of recoverability, while results for the year-ago quarter include a benefit of $96 million from the sale of the Company’s stake in Afore XXI, a private pension fund manager in Mexico. The current quarter contribution to results from the segment’s incentive, transaction, strategic investing and commercial mortgage activities was $13 million greater than in the year-ago quarter, as income of $41 million from the sale of a real estate related investment for which we had previously recognized an impairment charge was largely offset by less favorable results from coinvestments and lower performance-based fees. Excluding the foregoing items and the contribution from these segment activities, Asset Management segment adjusted operating income decreased $25 million from the year-ago quarter. Higher expenses, including approximately $49 million of current quarter costs for items including fund start-up costs, reserves for costs associated with certain client contracts, and business process improvements that we estimate are in excess of a baseline level relative to current business volume, more than offset the benefit of higher asset management fees reflecting growth in assets under management.