As we embarked on 2020, we at Aflac were eagerly anticipating a year celebrating an array of significant milestones for the company: first, the 65th anniversary of Aflac’s founding; the Aflac Duck’s 20th anniversary; the 25th anniversary of the Aflac Cancer and Blood Disorders Center of Children’s Healthcare of Atlanta; the 38th consecutive year that Aflac Incorporated has increased the annual dividend to our shareholders; and my 30th year as CEO of Aflac Incorporated. What none of us – at Aflac or elsewhere – expected, was to find ourselves in the midst of a global pandemic in the first quarter of the year. But, that became the reality. Through sound risk management, agile planning and acting swiftly, Aflac was well positioned to respond when the unthinkable happened: a seemingly unstoppable global pandemic. We acted swiftly in order to safeguard the health and well- being of our workforce, policyholders and communities in both Japan and the United States because, after all, our greatest commitment to our policyholders lies in our promise to be there for them in their time of need… and in order to do that, we knew we had to act quickly. We ensured business continuity through setting up virtual emergency command centers, initiating work-from-home initiatives, enriching benefits relative to COVID-19, and providing financial support to agents and agencies, as well as our communities. Fortunately, we were prepared as we entered this pandemic in a strong capital liquidity position.