Disclaimer: The accompanying video represents key points from a discussion of Genworth's second quarter 2014 earnings results with Chief Executive Officer Tom McInerney, recorded in connection with Genworth's release of earnings results on July 29, 2014 and posted on August 13, 2014. Additional information about the earnings results can be found in the 2nd quarter earnings release and earnings presentation available the "Investors" section of genworth.com. In our earnings release and earnings presentation, non-GAAP measures have been reconciled to GAAP where required, in accordance with the rules of the Securities and Exchange Commission. Our actual results may differ materially from any forward-looking statements made in the video. We advise you to read the cautionary note regarding forward-looking statements in our earnings release and the Risk Factors of our most recent Annual Report on Form 10-K and our Form 10-Qs as filed with the Securities and Exchange Commission.