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Operator Ladies and gentlemen, thank you for standing by and welcome to the Aflac Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to your first speaker today, David Young, Vice President, Investor & Rating Agency Relations. Please go ahead, Mr. Young. David Young Vice President, Investor & Rating Agency Relations Thank you, Carol, and good morning and welcome to Aflac Incorporated Fourth Quarter Earnings Call. As always, we have posted our earnings release and financial supplement to investors.aflac.com. This morning, we will be hearing remarks about the quarter and the year related to our operations in Japan and the United States amid the ongoing COVID-19 pandemic. ....