Image source: The Motley Fool. : Please try using other words for your search or explore other sections of the website for relevant information. Good morning and thank you for holding. Welcome to Aon PLC's fourth quarter 2023 conference call. At this time, all parties will be in listen-only mode until the question-and-answer portion of today's call. I'd also like to remind all parties that this call is being recorded. If anyone has any objection, you may disconnect your line at this time.