Okay. I think we're in the room. We've got our listeners on the line. Let me kick it off. We have here Rod Martin, CEO of Voya, and Christine Hurtsellers, CEO of Investment Management, Mike Katz, the Chief Strategy Officer, and the investor relations team as well. Really excited to have you here, and a lot of good questions for you. I'll just jump in, Rod. Thanks. Oh, wait, you may have a few words to touch on first, right? Well, Andrew, first, it's great to be with you again. We were just commenting it was just a year ago that we had the opportunity to be with you in person at your conference, and it was the last physical conference that we were with, oh, what a year it was. Andrew, just a couple of quick comments, and I'm sure this will be woven in in the context of your questions. We're very proud of what we accomplished in 2020 and have come out of that, as you and I'm sure the listeners are aware, with a great deal of confidence on our 4Q call going into 2021. We closed the life transaction. We are in the privileged position now to have a billion and eight of excess capital. We've announced a billion-dollar share buyback, which is 15% of our market cap. We have really finished the from two piece from ING Group to what we've chosen to be around our workplace focus with health and wealth solutions. Very much a capital-light, high free cash flow company. We're one of the few companies that have given 2021 full year guidance, EPS guidance of 8%-12%. We feel good about that. The last point I'd make very quickly, because I know you have a lot you want to get to is, Christine and we and Charlie communicated on our 4Q call, and I'll let Christine speak to it in the context of the flow of questions, but we have the highest unfunded wins going into the year that we've ever had in investment management and an equally impressive list of unfunded wins from our retirement business. We go into 2021 with momentum that we feel really good about. With that, let me throw it back to you, and we'll jump in. Awesome. Yeah. Rod, maybe just kicking it off big picture with regard to that 8%-12% growth, how do you see the company growing longer term? Well. Is 12 the right number? I'm sorry, yeah, 8%-12%. Is that the right number? Yes. No, the EPS is 8%-12%, the ROE is in the 12%-14% range, we feel very comfortable about that. The point I'd emphasize, Andrew, is this is fully based on our organic growth. We are not anticipating or have built in, if you will, an expectation that we need to do something inorganically to accomplish those objectives. As you know, and I think the listeners know, we will be having an investor conference in the latter part of 2021, which we will introduce yet our next three-year plan, we fully intend to introduce longer term guidance at that time. Again, coming through the pandemic year to give full year guidance, both on an EPS basis and an ROE basis, that we've talked about, we feel very good about it, and it's good old-fashioned execution and a consequence and an outcome of all of the de-risking that we've done. As you know, we've completed the VA and the FA transaction. We've completed the life transaction. We just announced in the first week of January, really the last piece of the exiting of our retail business, and that was the VFA transaction that will free up an additional $300 million of capital in the sale we announced to Cetera. What I'm pleased about, Andrew, is those were all, I think, very appropriate steps to take in our de-risking and our becoming a capital-light company. As you and your listeners well know, there's a high amount of both ideation and then execution and management time and attention that it takes to get those done. That is behind us, and all of our energy, my board's energy, and our management team's energy is about growing the company prospectively. That's a big theme that we're excited about and anxious to talk about. Got it. Yeah, just stop me if I'm getting past your investor outlook call coming up in a few months. Could you comment on that 8%-12%? Is that a long-term kind of aspirational goal? That's our 2021 guidance. We will be, Andrew, in the latter part of this year, updating a longer term guidance. For now, it's 8%-12% EPS growth. Okay. We feel very good about our line of sight and being able to accomplish that this year. Same thing on the 12%-14% ROE. Correct. Yes. I think back in 2019, you were even thinking 14%-16%. Yeah. Andrew, it is 14%-16% is the target there. Just to adjust that. Correct That's absolutely still the goal and to continue to grow these businesses at that ROE level. I mean, that's unchanged. Okay, great. We'll stay tuned on the long-term EPS outlook. Right? Just this last thing on earnings. It looks like from a cost structural standpoint, you're kind of entering the first quarter at stranded cost run rate of about $34 million-$35 million per quarter. By year-end 2022, that all goes away. Is that kind of the game plan? Yes, Andrew. We completed four months early the stranded cost takeout of the variable annuity and fixed annuity piece. We used the same team, the same methodology, and frankly, the same approach in porting that team from that assignment to this assignment. You can't start taking out the cost till you close the transaction. We closed the transaction January 4th, we were fully ready with our plan to implement. We're not spending any amount of time having to go through the ideation component of that. It is going to be a similar 18-24-month period. There is TSA and ASA revenue to offset that during that period of time, we fully anticipate, and have a plan that Mike Smith and I have a lot of confidence in accomplishing over that period of time, and it'll be fully complete by the end of 2022. Is there any margin from any slack where potentially you can even do better? Well, we exceeded the target the last time. Last time. Look, I think as these things unfold, there are always things that you think will produce a number, and there's an upside surprise you think will produce a number, and it may fall a little short, but we are confident in the number, and I certainly would hope that we will do that or modestly better. Awesome. Rod, I'm kind of thinking back to the company going public in 2013. It's amazing, you've really distilled it now down to the three core big businesses, Retirement, Investment Management, Employee Benefits. They're hovering around, I guess, 60%, 20% and 20% of adjusted earnings respectively. Have you modeled Voya into the company that you envisioned? Are you happy with this mix now, or do you see it changing over time? Great question. This has been very intentional. It's an intentional kind of eight-year outcome, right? These things don't happen overnight. Right. It's been very intentional to focus on the workplace in providing health and wealth solutions to the workplace. Andrew, we see that as a growing opportunity. More and more employees are looking to their employer for help in a range of solutions. In my mind, the pandemic has really shined a light on that in a way that first employers are needing and wanting to be more adaptive to enabling people to be virtual, enabling people to move to a hybrid environment where they may be in the office part of the time and working virtual part of the time. There's certainly some that either the nature of their work or the nature of just their own, how they're wired, they can't wait to get back in the office. We're leaning into that heavily, and we're trying to be responsive to the employers in that way. I feel this has been a deliberate choice. I feel very good about our focus and energy around the workplace and in providing health and wealth solutions. I think there's a simplicity in the clarity of that outcome and in our full energy focused on finding ways to further enhance those kinds of solutions. Look, there's just this growing amount of business that's being done this way, and we're excited about trying to meet that expectation. That's awesome. Maybe now I'll just kind of touch on the three core businesses, starting with Christine, just from a top-line perspective, so people kind of get a feel for what's going on in these businesses. Christine, how should we think about the timing and magnitude of Voya's net flow outlook for 2021? Just for the investors, by way of background, consolidated net flows were $5.9 billion in 2020, up versus $2.8 billion in 2019, and that was despite a $3-plus billion net flow in the fourth quarter. It looks like you're guiding to modestly negative net flows in the first quarter, but for the full year, still able to do 2%-4% as a percent of AUM in the full year. It sounds like an acceleration, maybe you could give us a little color on how that's playing out and if those numbers make sense or continue on. Absolutely, Andrew. As you know, within investment management, you can see quarter to quarter volatility around flows. We like to think about them more on a longer-term basis, the full year. We are guiding to 2%-4% organic growth, which is quite strong. How to think about that. We are, as Rod mentioned in his opening comments, we're entering the year of COVID with the largest amount of unfunded, but unfunded wins that we've ever had. We have a nice tailwind into our back already, as well as quite a strong pipeline where we are in finals and semifinals. The first quarter is a bit of when is this investment grade credit mandate going to fund? Is it going to fund the last week of March or the first week in April? We'd love to be able to control and make that really smooth. As you know, again, it can be lumpy. The key message really is as we think about the pipeline, the demand for specialized assets, private credit, private assets generally, is quite strong. We see the CLO market recovering as well as a component of that when you think about flows going into 2021, as well as when you think about commercial real estate. COVID really impacted our ability. We have very strong client interest, and it just impacted our ability to actually invest in commercial real estate. I would say due to travel, underwriting forbearance, that market got off to a slow start. We're very excited about that potential with the vaccine rolling out. Again, overall, very optimistic about organic growth. Forgive me for pitching this to you, but I'm very proud of it. We've had five consecutive years, five straight years of Investment Management sourced positive cash flows and 20 straight quarters. Fourth quarter was our first nod. I think that's pretty remarkable and speaks to the strength of what we manufacture as well as the investment performance we deliver. That is outstanding in this environment. Just, Christine, while we're just touching on Investment Management, one other question, then I'll get back to the other segments. Margin guidance for 2021 is 27%-30%, Christine, and that's versus the long-term target of 30%-32%. Last year you did 29%. I'm kind of curious, is the guided margin primarily by lost earnings from individual life divestiture, fee compression, or something different? I guess there's going to be steady institutional fee rates in 2021 per guidance as the drag from the individual life should largely be offset by private asset classes and other products. I'm kind of curious how you kind of bridge out to that longer-term 30%-32% margin. Sure. Just a quick tactical thing on the fourth quarter and the margin there of the full year of 29%. Part of our earnings, Andrew, are performance fees. Going back to specialty, we have a very successful hedge fund, certain private equity investments with Pomona. We did have very strong performance fees. When we guide forward, we don't aggressively forecast performance fees when we tell you what are our projections. Just wanted to clarify a little bit of that as you think about that margin glide path from here to there. Touching upon the individual life business and what is going to happen. It is going to drag the margins out a bit. We are the preferred provider for Resolution Life. In fact, some of the assets, again, really valued assets like private credit or real estate, up to seven years in terms of the contract that we have with them to be a strategic partner. Because of that, we're not going to be managing 100% of the assets upon sale. Naturally, the revenue is going to go down, and it's going to shave about a point to a point and a half off our operating margin as we see it. That is a headwind. Then we did have, when you think about 2019, or 2020 rather, and relative to our Investor Day targets that we had set, we didn't know the life business was going to be sold, and we certainly didn't know COVID was going to happen. COVID did impact our flows a bit, right? When you think about what happened in retail in the industry, all of the outflows, we weren't immune. A lot of the retail flows went into more safe options. We're starting to see a nice recovery there. So far this year, our retail cash flows are positive. Again, Andrew, how to think about it, headwinds of life, some impact of COVID and asset shifts. Looking forward, just the strength of the private asset classes that we have, the institutional demands both within the U.S. as well as increasing interest offshore. We're quite confident we're going to hit that 2%-4% organic range, which is something we're very excited about, just given the broader challenges in the industry. You think the margin is at some point attainable, that the longer term 30%-32%? Yes. We have not backed down from that guidance. When you just see the combination of investment performance and the clients' demand, as well as the ability to continue to manage expense as well. Think even if we land, say, lower basis point mandates such as investment grade credit, that's highly scalable and accretive. We're excited because we have this nice combination of more specialized higher fee as well as a very leverageable platform that is in demand from clients offshore as well, as well as expense management. As we've gone through as a company, when you hear about the life stranded costs, there's a little bit of a pig in a python or when you think about the duty sale that we've gone through as a company, we've delivered on executing on those efficiency gains, and we're excited about focusing on growth. Awesome. Maybe I'll shift over to the Retirement segment. The company has guidance for 6%-8% recurring deposit growth in 2021. What makes you comfortable with that? It's still a tough economy, really kind of intrigued by that type of a growth rate. It's pretty nice. Let me start, Andrew, then Mike, I'll have you jump in. Again, similar to Christine, Charlie signaled on the 4Q call. We have a very healthy pipeline, Andrew, of mandates that we've been notified on. Again, the line of sight of that is typically 3-6 months, but it's higher than it was going into 2020, which was pre-pandemic, by the way. Again, I think a reflection of the flight to quality and our focus, particularly in the second half of last year as we kind of lifted all of our heads coming through COVID and realized there was an alternative way to work in this environment, and the teams were very agile and very facile in doing so. Mike, I'll let you add some dimension. Man, it's amazing too, looking back. Christine talked about successes in 2020. Putting up $1 billion-$2 billion, $1.5 billion of full service flows, over $25 billion of record keeping flows in a COVID year. By the way, if you reflect just back on how many companies were dealing with a pandemic and had different priorities than let's change who's doing the retirement record keeping for us. Retention was great, but we think a lot of those at-bats are going to reveal themselves in 2021. We think the diversification of the markets that we play in give us confidence in the recurring deposit number that you just threw out there. I think there's a lot of things, and Rod touched on it earlier, just the pipeline, the RFPs that we see going into 2021. We've got a lot of confidence in hitting these numbers, despite what is kind of a tricky start to the year with the pandemic still is a bit of a headwind. Mike, you were touching on these full service net flows. They were a solid $1.6 billion last year, $2.1 billion in 2019. I'm thinking about the record keeping was a massive $24.5 billion last year, $14.5 billion the year before. With this commentary around recurring deposits in the full service area, do you think we could see similar type flows in retirement full service and record keeping, respectively? Well, last year was a massive year on the record keeping side. I think expecting that kind of flows coming in year-over-year, we take it every day as Sunday. That's not something I think we'd want to signal as something that's going to happen every year. Incredibly proud of it. I think the full service piece that you just called out, it has been a consistent grower for us, so we expect that to continue. We haven't given specific guidance on exactly what we anticipate for 2021. If you look at the earnings growth in Retirement, that 8%-12%, there's an inertia, there's a momentum that we expect that will help to drive that in. We think the recurring deposit piece, that's going to build over the back half of the year as we start to get on the other side, hopefully, of the pandemic. Mike, could you also speak to the number of participants that we've added in 2019, 2020, which, Andrew, is a reflection again of the deposit numbers, full service or record keeping that you just spoke on. Sure. It's a half a million of additional participants. If you link that back to what Rod was talking about earlier, that's just a large swath of individuals that we can get better engaged with. We can offer further health and wealth solutions. We see a big opportunity there. It's not just about the revenue that comes in for record keeping for those half a million participants, but it's also we see additional opportunities over time as we become more and more a provider of choice to really help individuals, participants, and employers do the right thing for their employees. Maybe now thoughts going back up to the corporate level. Rod, you probably get this question in every meeting. Thoughts on remaining an independent company. Andrew, if you go all the way back to the comment you made earlier, this has been an 8-plus year journey as a public company, you well and most of your listeners are aware we fought like heck to be an independent company. We are as proud as we can be in being one, and we have every intention of continuing to grow this company in the manner and the way that we have been. There's no change in our thinking around that at all. I think we've come through a very thoughtful and deliberate de-risking of the company, choosing what to be in and what to exit to enable 90%-95% free cash flow to become capital light, to exit the tail liabilities that we've done. We've done that well. We've executed well. The point I'd make is all of our energies are now built around these 3 businesses and delivering those solutions at the workplace, both from a wealth and health perspective. We feel good about it, and we're going to continue to grow well organically, and find opportunities to deploy our excess capital in the form of share buyback and further investment in the business as we deem appropriate, no change in our philosophy around that. Maybe just to follow up on that, Rod. Do you get a lot of inquiries, or does there appear to be a lot of interest? If the right situation arose, would that be something you'd be willing to consider? Andrew, I think if you look, we've always commented, I feel particularly proud of this. First of all, I'm exceedingly proud of our board and how our board has provided just fantastic guidance and support in being, in my view, one of the most shareholder-responsive companies in our industry. I think you see that as Mike Katz would say, we've got $6.5 billion reasons to point to that answer in the amount of share buyback, we're buying back 15% of our market share, we're in a very enviable position. I have a lot of confidence that our board will act in shareholders' best interest, period. Just period. That said, there's a huge amount of encouragement and support in continuing to execute, focus on growth, and invest in our businesses at attractive returns that are in, again, 14%-16% ROE range, which will produce this year an 8%-12% EPS growth rate, leading to what I think will be a fantastic investor day the latter part of this year, laying out the next three-year plan. Got it. That makes perfect sense. It's been a great run, I suspect it will continue. Rod, you've been the CEO that I always tell my clients that you've been the best steward for the shareholders, it syncs up with what they're saying. Every time I hear about some, you've got a plan, a glide path I think as you've said, for the first quarter of 2021, I kind of wince a little bit. I'm like, "Oh, let's keep Rod there." I know your contract extends through 2021 for an option for 2022. Could you give us a little color, Rod, on how long- You bet. I'll give you some color on what I answered on the fourth quarter call and what you should expect to hear. What I said was, in the normal course, that was generally reviewed in the late fall. As a result of both COVID, the life sale, our focus on getting the momentum that you're hearing Christine and I talk about, we simply pushed that to the end of the year. What I spoke about on the earnings call, Andrew, was by the end of the first quarter of 2021, I will give an update on my employment agreement. You summarized the thesis perfectly. It's not going to be today, but it will be on or before the end of the first quarter. I can remember actually, you're asking this question explicitly at this meeting a year ago and at the dinner that evening, which was perfectly logical and sensible. In relation to succession, part of what I said there, what I'm saying now is, our board has been actively engaged in that. The first piece will be, you'll all get an update on my plans by the end of Q1. The second piece is, we have been as thoughtful as we are on share repurchase, we are equally thoughtful on succession. There's going to be a logical, sensible, no-surprise plan that will reveal itself over time, and we will go from there. That's the sequence of the events. Rod, do you think that you'll remain with the company in some form or fashion? I will answer that when we answer the question of by the end of the first quarter. Okay. I am unbelievably excited about where we are. None of my enthusiasm or frankly, energy around that has changed, Andrew. Yeah. Well, I think I'm equally excited about the team. Look, you've had a chance, and most of your participants too, get to see Christine and Charlie and Rob, we're equally committed. We've got a whole another generation of leaders that we will be very intentional in 2021 and 2022. They're running increasingly larger parts of our business, that we want to make the investment community aware of who they are, the talent they have, and the contribution they're making. Yeah. No, definitely, an impressive management team. Christine, I even hear great things from some of my equity-based clients at Voya about you. I think it's even reflected in that environment. Maybe moving on to the repurchases and the $1 billion authorization in the quarter. By our estimates, if you work in the Cetera $300 million and the retirement of debt, which we roughly subtracted $700. Anyway, we come to a pro forma $1.4 billion, and then if you were to do nothing, you're probably closer to $2.1 billion at the end of the year. I guess, and like you said, Rod, that's a big chunk. It's like a seventh of your market cap. It's huge. Investors, for some reason, seem to want more. I think that's a pretty big number. Is there a possibility that Voya does more than $1 billion in repurchases in 2021? Andrew, it's a very fair question. I think your numbers are broadly accurate in terms of the summary of the numbers. We said we'd buy back at least $1 billion ratably through the year. I'll point out, last year, in the pandemic year, we bought back a little over a half a billion dollars. All of that cumulatively led to the $6.5 billion so far. I pointed out a couple of things, Andrew. We're still in a pandemic. I am encouraged about the vaccines that are emerging. We're going to have to see the pace of that. Mike Katz, Mike Smith, and I talked about on the 4Q call what the impact of the very tragic loss of life, how that's going to impact our Q1 and Q2 results. We are paying attention to that. That said, we've got, as you pointed out, very healthy free cash flow conversion. We are going to return ratably 15% of our market cap. Whether you just call it $1 billion, that's a big number all by itself compared to most others. 15% is more than I think almost anyone else. We have the capacity to flex, and we will be paying attention to the market, but also looking for opportunities to further invest in our existing businesses to enhance our growth prospectively in 2022, 2023, and 2024. We've been doing that, pieces and parts at a time. Christine's done an incredible job on lifting some teams out and adding some capabilities that we talked about last year. Those things are very much in our line of sight as potential opportunities prospectively. Maybe touch on that, Rod, M&A as a compelling opportunity. Sure. Maybe Christine, we did the C-2 piece, and you've added a number of other capabilities in EMEA. Please jump in. Sure. Yeah. In terms of where we're focusing a lot of our organic or strategic spend, Andrew, includes organically extending into global distribution. We added a couple of resources in sales, including a head of EMEA last year, and seeing some exciting momentum there. We want to continue to grow, and we're expecting that we're going to start adding some folks in Asia towards the fourth quarter, end of this year. A lot of opportunities there because we are already, not including our CLO investors, Andrew. When you think about our CLO investors inside there, our Asia client base is much larger, but just purely, it's a little less than 10% of our overall assets, but growing. We don't have a salesperson there, these have been coming in through reverse inquiry where they see our investment results or capabilities on an eVestment database or something and actually call us. We're very bullish on that. Then on team lift-outs as well, still has a place inorganic for investment management. I would say we wouldn't want to do anything bold or disruptive. We want to stick with our specialty capabilities, so think about capability step outs. Some of those can come with offshore funds platforms or international distribution. Again, we're thinking long and hard about it, and we're so excited about our private credit franchise as an example, both organically and potentially inorganically, continuing to try to broaden our reach in illiquid credit or less easy to source credit that is in very high demand in the industry right now. Christine, you mentioned bold and disruptive, that you probably wouldn't want to do that. Maybe I'm just asking a question that you already answered, but would you want to merge with another large investment manager? Would that make Voya Investment Management better? Is that something you would consider? Well, as we think about strategic partnerships and different things, Andrew, certainly within the industry, I think that consultants and clients understand more within the industry. They are open-minded to strategic partnerships. We partner with NNIP. Way back in the day, we were all part of one global asset manager, just the level of trust and the partnership with them has been very important for us. We do have a strategic partner in our eyes, and we're looking including to Asia. A couple of developments there. We have a pretty narrow product set that we have them distribute on our behalf, so we're in conversations with them. They'd like to sell more of what we manufacture. Secondly, we're working with them to distribute a couple of their key benchmark products in North America starting this year. Again, for us, the partnership is key. I think doing something much beyond that is much more complicated, and we're really excited about the opportunity that we have as we stand today. Christine, could you briefly just talk about the insurance capabilities and how that's grown from nascent five or six years ago to over 40 different insurance companies we're now doing business with? Certainly. Thank you, Rod. Andrew, going back to how are we going to compete in this environment, with consolidation and all of the headlines. We're super excited about both some of our natural culture or DNA that came from our insurance roots. While we're leaving that space behind as an industry, when you think about all the great decisions we have made, I think just from my perspective, I believe that our multiple is undervalued and expansion is going to result over time as that. Going back to, yes, we're less of an insurance company today, but we sure do know we have the DNA and the roots and the understanding around reg capital and complexities and things that we do, such as commercial real estate. Insurance outsourcing is, I think, the fastest institutional business in North America and expected to be for time to come. As Rod said, we've really harnessed our culture, our DNA, our special capabilities, and have seen its very fast CAGR in terms of both revenue and AUM growth there. Andrew, our view in going and putting distribution boots on the ground out of London is that EMEA, like Solvency II, they can't deal. They've had negative rates in Europe for years. I think they're essentially throwing in the towel and they're coming our way. We're really excited. We're still making progress in the U.S. on insurance asset management, continuing to develop products. Think about expanding that reach offshore in the next three years is an important component of our growth story. Got it. That's exciting. Rod, maybe just to round it out, you talked about a bunch of areas on the Q4 call in terms of potential M&A enhancements. The one that stuck out to me was retirement blocks of business. Is that a big possibility out there? Are you thinking that you may put a lot of money to work in M&A and specifically this retirement opportunity to buy one-off blocks? Is that something out there? It's certainly an area that we would consider, Andrew. Again, we'd come at that with a very capital disciplined focus, the same philosophy that we've had. Look, as Mike shared with you and the listeners a moment ago, we added over half a million new participants. We've got over 6 million participants right now. Adding participants is useful, but we would only do it if it met our financial thresholds. We've got scale. Adding to the size, we would be open to that, but that's not the only way that we believe we can grow. Would we be open to it? Yes. Andrew, we've talked about this statistic previously, but 10 years ago in the 401(k) space, the top 10 players had 50% of the AUM. Today, it's 75%. We were fifth or sixth 10 years ago, we're about that same position today. The market has organically consolidated by the consultants and frankly, the institutions making those choices. I see that continuing to happen. I believe there's a flight to quality, and there's four or five of us that are getting a pretty proportionate amount of that growth. There's also another 50 companies, to your point, Andrew, that are in this business. I think at some point, both from a data security, what the cost of that, and the cost of just maintaining this book of business, they likely could conclude, maybe that's not core to me, and they'll perhaps decide that that business is not key to them, and they'll put it for sale. We would look at a block of business, but only through the lens of the disciplined approach. We don't have to grow that way. We would be open to it, we're equally open to investing in the business to improve the participant engagement, which we talked about on the fourth quarter, to improve the data integration through technology. The way you and I just individually have enrolled in benefits hasn't substantially changed in decades. Once a year, you sit down, and we all make decisions. I've kidded about this on many calls, but most people spend less time on that decision than they do on their Netflix selection for the week. We can improve that with technology. We can make that experience richer. What we're hearing from employers is they want that. Employees want better choices and options. In and through this COVID environment, I think employees are looking increasingly to employers for those choices and options. I guess we're coming toward the end, so I want to ask you one question. Actually, I was kind of looking for some Netflix recommendations, too. I just think you've got such a great story at Voya, and I look at the stock trading at about nine times 2022 earnings. The Life group trades at seven times. We were touching on this earlier before the A live call. It's not really a life company anymore. What's it going to take for Voya to kind of re-rate and get perceived as what you really are? First of all, we fully agree with your thesis. Frankly, it takes time and repetition. In many ways, in fairness, Andrew, we just completed the life transaction January 4th. We've just completed a lot of this lifting, and I think it takes time. Many of the investors that are listening to this and listening to you have many companies to follow. I think it just takes time for them to fully embed in their models the from-to journey, what we were and what we are. If I could leave you with a couple of headlines. We talked about 8%-12% EPS growth rate, 14%-16% ROE, 90%-95% free cash flow. We don't have the tail liabilities that were associated with those businesses, and they're fully executed. We don't have the tail liability with the long-term care business. We never did. We've fully reinsured that. We've got a DTA with a value of $8.50 a share or more, and I think with corporate taxes likely increasing, that will come increasing focus, and we're not going to be a tax player for the next five to eight years. When you factor all those things in, I think it warrants further multiple expansion. I believe that will happen. We're doing our best to tell the story confidently, calmly, but in a very excited way. I think the market over time will experience it. One other piece that came up on an earlier call that I call out. In the fog of the COVID piece, each year, Andrew, as you know, every company does their annual assumption review, and that's generally done in the third quarter. Well, think about all that we were all engaged in in the third quarter, election, the market environment, COVID, et cetera. We lowered our long-term interest rate to 2%, and that was material. I'm not sure that's been factored in terms of the impact of that overall. All of these pieces, we're going to continue to, with a fantastic investor relations team, to tell the story and help people with their thinking and models. I do believe over time, and I hope it's sooner than later, there's going to be a further appreciation of where we are. Of course, we understand our responsibility to communicate that, and we understand our responsibility to continue to execute. Christine, Mike, Josh, Rodney, great to hear from you, and thanks so much for the time. Look forward to talking soon. Great to be with you, Andrew. Thanks, Andrew. Appreciate it. Andrew, take care.