“So from a top line perspective, we're still very much within the 4% to 6% range. We got a 6% PFO growth this year -- this quarter, but think of that ratio being close to the midpoint of the range for the full year.”

In context

“agher: Okay. And then for -- and Ramy, for Group Benefits, I just want to make sure I have the right expectation here. The -- if I look at last year, and I look at the last 3 quarters of the year, I think earnings averaged around $450 million, that's probably $170 million, $180 million above what you did in Q1 this year. So is it fair to say you still expect to grow above the $450 million earnings level for the next 3 quarters? In other words, it was just worse seasonality this year. And then is it -- and said another way, it sounds like dental utilization was quite high. You fully expect to recover and see a big earnings snapback in dental for the balance of the year. Ramy Tadros: Tom, I mean the way you can triangulate to an earnings number is take our top line and our guidance ratio. So from a top line perspective, we're still very much within the 4% to 6% range. We got a 6% PFO growth this year -- this quarter, but think of that ratio being close to the midpoint of the range for the full year. And for sure, think of both non-medical health, which includes dental moderating for the full year. So think of that going towards the midpoint of the range. And think of the same thing happening with the life underwriting ratio. So very much a seasonality story for this quarter. Remember, as Michel alluded in his remarks, that seasonality was kind of masked in the last few years with COVID and different behaviors on the dental side and clearly on the mortality side in terms of what we've seen. And that's just now returning to a more regular pattern, if you will. So I hope that helps you think through the guidance growth, both given the top line number that I've articulated as well as the midpoint of these ratios for the full year? Thomas Gallagher: That does. And if I could just sneak”