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Operator: Ladies and gentlemen, thank you for standing by, and welcome to Prudential's quarterly earnings conference call. [Operator Instructions]. As a reminder, today's call is being recorded.
Operator Ladies and gentlemen, thank you for standing by, and welcome to the Prudential quarterly earnings call. [Operator instructions] I would now like to turn the conference over to our host, head of investor relations, Mr. Darin Arita. Please go ahead. Darin Arita -- Senior Vice President & Head-Investor Relations Good morning, and thank you for joining our call. Representing Prudential in today's call are Charlie Lowrey, chairman and CEO; Bob Falzon, vice chairman; Andy Sullivan, head of U.S. businesses; Scott Sleyster, head of international businesses; Ken Tanji, chief financial office...