Since the end of 2002, we have made many changes to our U.S. business. We've dramatically expanded our sales management infrastructure. We have significantly enhanced our training platform. We've brought new products to market and introduced a new branding message. We implemented those changes, and we will continue to assess and improve our model to better position us for growth. I'm convinced the United States is perfectly suited to the products we offer, and I believe we will continue to tap into its vast potential.

By keeping our finger on the pulse of consumers' needs and designing products based on those needs, Aflac has been able to maintain its market leadership. We're distinguishing ourselves from other companies by focusing on what consumers need now. In doing so, we are emphasizing our dedication to helping people get the most out of life with financial assistance when they need it most.

As we look ahead, we want to redefine the relationship between consumers, businesses, and health care. We want to empower people with choices that protect their lives today and their dreams for tomorrow. We need to offer superior products and customer service so that an Aflac experience will be described by millions as the way business interactions should be. We must make it simple and convenient for people to do business with us. By doing these things, people will turn to Aflac for additional solutions to their health care needs because we will have earned their trust and confidence.