I think you're familiar with the fact that financial discipline and distribution excellence are our core strength, is our foundation. They are financial discipline, distribution excellence, digital leadership and sustainability driven. There are four key elements in this revised strategy. Whether it's about helping clients navigate health concerns, build and save for retirement or having financial securities for their loved ones. We keep clients at the center in everything that we do. I would say this is not a complete revamp of the strategy, it's just a refresh because it's still anchored on our purpose. Rowena: Thank you for the opportunity to share with you our refreshed strategy under the leadership of Kevin Strain, who is our new CEO. I'm interested in your perspectives and if you'd spend a bit of time talking us through your strategy and what most excites you about it. Along with that you've re-imagined your strategy, globally. Rowena, Sun Life recently had a realignment of its senior executive ranks. I'm delighted to be here today with Rowena Chan, Senior Vice-President of Distribution for Sun Life Canada. I'm Allan Buitendag, PwC’s Global Relationship Partner for Sun Life. Allan: Hello everybody, welcome to our Insurance Speak series.