I have important news to share regarding our longstanding partnership with T-Mobile - we've signed a multiyear extension of our contract. Our ability to continually evolve our solutions to meet the changing needs of their business and customers has been a key reason for the longevity of our relationship. There are many examples over the years of how we've used our agility to develop solutions to address evolving customer needs. Looking ahead, we see many more opportunities to provide new and innovative services to their customers. And that's critical in today's shifting environment. We must maintain the flexibility to adapt to changes in how our clients serve and support their customers in our effort to build a stronger Assurant. As part of our new multiyear agreement, T-Mobile's device repair program will be offered at our nationwide network of nearly 500 Cell Phone Repair (CPR) by Assurant locations. This underscores T-Mobile's confidence in our ability to deliver superior customer experience and validates the agility and strength of our dynamic fulfillment capabilities. This will also drive volume to our CPR network of stores. Unfortunately, this change will impact many in-store repair technicians. As always, we will treat everyone involved with dignity and respect, providing resources and support through this transition, including severance and outplacement support, as well as referrals. Although we are shifting in-store repair away from T-Mobile retail locations, our team has a lot to be proud of over the past year. We stood up a ground-breaking program quickly, providing training and support to technicians across the U.S., and delivered sustained industry-leading net promoter scores (NPS). A lot of the work that was done towards that activity and the lessons learned in its implementation will be leveraged during the launch of this new program. If you receive inquiries from clients or prospects about the in-store repair shift, please reach out to me, Jeff Unterreiner, Julie Cosio or Linda Recupero. We can provide you with guidance and messaging on how best to respond. I would encourage you not to respond directly without such guidance, as there are many intricacies associated with this transition, many of which are client confidential. The one constant in today's market is change. It's how we react to this change that continues to define our future success. Overall, this is a good outcome for Assurant as it positions us to continue to drive growth and innovation for long-term success. Thank you to everyone who made the T-Mobile in-store program a reality, and for your dedication to client service, customer excellence and support of each other through this transition. You have exemplified the Assurant Way.