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.