We are starting on a journey that unlocks multi-billion dollar potential in this partnership.

We're excited about the potential of this strategic partnership to extend our international distribution capabilities and open new channels for growth.

We are enthusiastic about the potential of a long-term partnership with the Swiss Life Network. With the globalization of business today, an employee benefits provider must be able to offer solutions for employers with associates throughout the world. This new arrangement allows Fort Dearborn Life to provide products in the United States to Swiss Life Network's multi-national clients and in exchange, international solutions for Fort Dearborn Life customers.

My team and I are excited about the growth potential for both companies that this engineering partnership will allow. We believe that the advantages of a strong group, especially one with world-class engineering and electronics manufacturing operations, will increase our ability to bring new and innovative products to our global customer base. Bringing these two together under one roof will allow us numerous opportunities to help our customers grow profitable businesses.

Of course it's also a real demonstration of what happens in a real partnership between management and workers working together.

Certainly, in the long term, the Iran issue has the potential to become quite problematic, although the issues in Nigeria have more immediacy.