...(audio in progress) audio, we suggest simply restarting the application. If there is audio-specific issues, you can dial in with your information provided in the email. As well, should you have any questions during today's presentation, please enter those into the toolbar, and we'll make attempts to address those during the presentation or at the back end. With that said, I'd like to introduce Jeff Rieder, Head of STG Performance Benchmarking with Aon. Jeff? Jeff Rieder ...