As a mutual company, we do business with the long-term interests of our policyowners and customers in mind. This focus on mutuality and longevity goes hand-in-hand with our commitment to sustainability, as thinking and acting for the greater good is embedded in who we are. This mindset enables MassMutual to have big aspirations about how we can build a better world for future generations, and our inaugural sustainability report shows how we are taking action each day to bring that closer to reality. At MassMutual, we view sustainability as not only core to our purpose, but also as a critical strategic priority, We continue to integrate ESG into our business, including committing to net zero emissions, increasing the diversity of our workforce, investing in our communities, and providing financial well-being to more Americans. We are backing these commitments with rigorous plans and a pledge to be transparent about our progress