More than 175 years helping others act upon their love. New York Life's core value is our commitment to being there for customers whenever they need us, now or in the distant future. Over 175 years, we have kept that promise by being a mutual business, investing smartly and growing our portfolio of strategic companies. We also remained true to our mission, which is to be a mutual company accountable to only our customers and not outside investors. That means that our customers can have the peace of mind that they are able to build a better tomorrow for their loved ones and themselves. Local communities served, national impact. New York Life's history is all about helping people when they need us, both for their customers and the many communities in which we live and work. In 2019, our agents and employees volunteered over 145,000 hours. Since its inception, the New York Life Foundation has donated nearly $360,000,000. Its focus is on education enhancement and supporting children affected by the death of a family member.