We did see some lower lapse rates on LTC wealth business, which we have not really seen in 2018, too early to say whether that's a trend or not, but reminder that, we strengthened lapse assumptions materially over time. Sure, Doug. So, in terms of core experience, a reminder of what's in there, it's policyholder experience, expense impacts, which would include expenses where we don't reserve for them, and Asia regional office expenses. Again, Young Petite Nude similar drivers in terms of policyholder experience and expense. So, the $143 million, which you mentioned in terms of core experience and you've noted correctly $39 million of that was policyholder experience. So, saw a nice uptick in expected profit. It's a nice feeling. Okay. And I guess no sort of outlook in terms of like -- I know it bounces around but no sort of outlook in terms of where you think that conversion ratio, in terms of core earnings -- level of remittances as a percentage of core earnings that you think you should be able to generate over the medium term? Got it. Okay. And if I could just ask a high level one to Roy, just on overall earnings growth for the Company, the 8% EPS growth.



It's okay because gender is the significant part our lifetime and we could achieve popularity if we will make all of the items and are amazing. And we feel that the assets that we put in to really right size our cost base and other actions we are taking to really drive the performance of our franchise will put us in good state to really deal with some of those headwinds. And that really has the benefit of changing a fixed cost into a variable cost, which is really important, given the portfolio optimization strategy. And given the focus that we have in retirement and the presence and capability that we have across their geographies, we think that's certainly a growth driver for us. There's 900 million people aged 65 and above in the world today, and that's forecast to grow to 2 billion by 2050. The retirement gap is currently $70 trillion. And young petite nude so, from my perspective on the -- this is Phil, the impact of expenses, as said earlier, it's about $40 million. So, the dynamic of what we saw, and it was covered in Phil's remarks, but I'll repeat for the group here that we saw lower rates of mortality across the US businesses.



I guess, I'm just wondering -- I've calculated the drag from low rates to really be like about 2 points off earnings growth for the entire Company. I guess, is that about right, and where do you see that going if rates remain at these levels? The only other thing I'd say, and we've talked about this at Investor Day and at previous forums, there are three big mega trends that we see that are really shaping the economies of the world and will continue to do so over the next decade. Your parents will find out. It is surprising to know that there are several men who are still finding it hard to end up successful when asking a girl out. And one example of that is something we've talked about before in the US, the fact that we are consolidating various legacy systems onto a single platform. And again, the fact that we've been in Asia for 120 years puts us in a good state to capture that opportunity.



Good morning. I'll try to keep this relatively quick. I promise you; no one is trying to figure this whole "how do I keep my kids occupied" thing alone. And it's a beautiful thing -- if you have the time and money to spare. It's not every year, but we have definitely seen the seasonality in the past. And we have seen this type of seasonality in the past. In the past three years, he’s starred in dozens of films, and he’s very good at what he does. Somehow, over the past several years, we've managed to get our nouns and verbs confused. And over the longer period, obviously, we think that there are mitigants that we can put in place. As he leaned over to pick them up, Jethro was horrified to see an alien with its penis out. I was a bit surprised to see the adverse experience there.



And most of that work has been done on the outsourcing happened last year and this year, and we'll probably see a little less next year. Add a webcam to your desktop PC, or turn to your webcam-enabled laptop, and you have just about everything you need to keep in touch with friends, family and work colleague from the comfort of your home - or from just about wherever you want. Then, work with IT and the agents who don’t have access to technology. Don’t keep them waiting! You keep all of the tips you earn. The 8% earnings -- core earnings-per-share growth is something that we're really quite pleased with. We haven't disclosed the split within that core experience line, but they're both material items of the total there. And then, when we go to the US, you are asking about the core experience there. And yes, there are certainly headwinds like interest rates, but we feel that there are equal opportunities.