People are living longer, and we are excited about the possibilities this brings. We see longevity, aging, and changing life patterns as an opportunity for our customers, our employees, and society as a whole. And we want to support everyone in building the financial means to explore the possibilities and challenges of a long and varied life. As an international financial services group, we unite a diverse range of businesses that, together, help millions of people around the world live their best lives by offering a broad mix of investment, protection, and retirement solutions. We create long-term value for our shareholders and other stakeholders through fully owned businesses, partnerships, and strategic shareholdings. Our portfolio includes fully owned subsidiaries in the US and UK, and a global asset management business; as well as partnerships in Brazil, China, France, Spain and Portugal. In the Netherlands, we generate value through our strategic shareholding in a market-leading insurance and pensions company.