“if we're above 12.3% in the fourth quarter by a bit that would that would not be a surprise, per se, but that's not our focus... we continue to anticipate to be under that on a full year basis.”

In context

“e elevated technology investments in the in the fourth quarter. So I'll give you some data point from this sure I give you anything outside of that, but that probably should help you kind of frame for your modeling. Humphrey Lee: And then in terms of the overall expenses for company, is the 12.3% for the full year still the appropriate way to think about the expenses for 2021? John McCallion: Yes. So I would say we continue to focus on the full year that's our target to be under 12 3%. Full year obviously we've been running well below that. I mentioned that we would expect to have elevated expenses in the fourth quarter. Quite honestly, it's not much different than the trend you saw a year ago, in terms of how things transpired for most of the year, and then we saw an uptick. And so that, if we're above 12.3% in the fourth quarter by a bit that would that would not be a surprise, per se, but that's not our focus. Just using that as an example when you talk about the 12.3% what's important to us is the 12.3% for the full year. And so, that's kind of our mindset when we think about our expense ratio, and we continue to anticipate to be under that on a full year basis. Operator: And our next question will come from the line of John Barnidge of Piper Sandler. Please go ahead John Barnidge: An increase COVID impact on the group Life business is there a need to increase administrative expenses to deal with him during nature the pandemic at all? Ramy Tadros: John, it's Rami here. The expense ratio on the Life business is pretty small. So the real the real issue is not operations or expenses, the real issue and the challenge you're seeing is just the claims front. So it's not really an expense issue at all this point. John Barnidge: And then, would it be fair to say, if”