John Hancock recently launched Aspire, which creates a fantastic opportunity for you to better serve your clients living with type 1 and type 2 diabetes. Additionally, we continue to enhance our products so customers with substandard ratings can receive greater Vitality credits and premium savings when they take steps to improve their health. As we complete these enhancements across our product portfolio, we will be extending the automatic one-class table upgrade for eligible permanent product applicants when they elect Vitality PLUS and are approved with a substandard rating. Applications must be received by March 31, 2020. Additional transition details will be announced early next year.