For most competitors in the insurance industry, success is defined by a traditional set of numbers: combined ratio, return on equity, and total returns to shareholders. At Allstate, we also see a deeper definition of value. Our goal is to grow the value of our company for customers, associates, shareholders, our communities and society. Not just economic growth. Value in terms of customer experiences, when we innovate to meet unanswered needs and hidden demand. Value measured in expanded opportunities, when we develop our people to perform at new levels. Value for our shareholders in terms of profitable growth. And value from our presence in our communities and our positive role in society, which is returned to us in the form of enhanced reputation, loyalty and brand strength. In an industry that needs to become more focused on consumer needs and more creative, these are the measurements that will determine success in the future. That’s exactly how we plan to raise the bar in our industry.