“And from a specific life perspective, if the favorability that we see does persist and does become credible on these RIS, we would expect some portion of it to flow back into pricing, but that would happen gradually over time. So think of that happening in years, not quarters, if you think about our underwriting ratio.”

In context

“ve, some include the impact of GLP-1 drugs, and there are a lot of other pieces that we're researching and looking into, which I'm not going to go through all the details right now. But when you step back and think about what this means for our results, keep a couple of points in mind. One is while we operate in a competitive environment, this is also a market where we particularly can differentiate on factors beyond price. So we talked about the strategy in terms of how we bring our value proposition to our clients, especially those who are looking to do more with fewer. So life insurance is often bundled with other coverages such as disability and dental and voluntary, and this allows us, from a bundling perspective, to look at overall customer profitability and protect overall margins. And from a specific life perspective, if the favorability that we see does persist and does become credible on these RIS, we would expect some portion of it to flow back into pricing, but that would happen gradually over time. So think of that happening in years, not quarters, if you think about our underwriting ratio. I hope that helps. Suneet Kamath: Yes, that's helpful. And I guess maybe shifting gears to Japan, it seems like we're seeing a lot more actions by regulators in that country. And I think the secondy issue that you are part of. I think, it's an industry-wide issue. But I'm just curious if you can give us an update on what's going on there and if you're aware of any other reviews by the regulators that could impact Met's franchise there. Lyndon Oliver: Suneet, it's Lyndon here. So look, this issue, as you described, has impacted several companies across the industry. And we obviously take this matter very seriously. We've conducted a very comprehensive review all across the company. All the seconded employees have returned to their positions, and we've discontinued the practice. And we take”