Our position as a market-leading global insurer means that we have a diverse set of stakeholders whose individual goals and challenges can manifest in divergent points of view. We are therefore committed to regular engagement — listening to and learning from our stakeholders so that we can understand their perspectives and incorporate their feedback on important ESG topics as appropriate. We have built strategic partnerships with suppliers across many categories of goods and services, including professional services, software, real estate and business services, marketing and telecom and network services. Our supplier base is geographically diverse and spans multiple regions, including North America, Asia Pacific (APAC), and Europe and Middle East (EMEA). By integrating climate and other ESG factors into our business practices and decision-making where appropriate and engaging with clients to understand and help empower their decarbonization pathways, we believe that we are making steady progress on the transition to a net zero future. Our business and industry are impacted by the changing climate as shown in the increase in natural catastrophe losses driven by the continued increase in frequency and severity of climate-related hazards and perils. In 2022, insured natural catastrophe losses reached $130 billion, making it the fifth costliest year on record for insurers, with five out of the last six years having exceeded $100 billion. We are committed to effective corporate governance practices that are designed to maintain high standards of oversight, accountability and transparency while promoting the long-term interests of our stakeholders. Our robust governance practices underpin our strategic progress toward supporting a more sustainable future. Our colleagues are our greatest asset, and we are committed to retaining, attracting and developing high-caliber talent who contribute to our journey of becoming a top performing company, fostering an inclusive environment in which we actively seek and embrace diverse thinking and making a positive impact on the communities where we live and work