Brookfield's ecosystem expanded significantly this year with the growth of our insurance solutions business. With increased demand for retirement services, particularly in the U.S., Sachin Shah, a 20+ year veteran at Brookfield and Chief Executive Officer of Brookfield's Insurance Solutions Group; Jon Bayer, a managing partner in the same department; and Michael McRaith, Chair of Brookfield Insurance Solutions and a former head of the National Association of Insurance Commissioners, helped to unpack the state of the insurance industry, how the insurance landscape is changing, and where private capital fits in to this rapidly evolving industry.