“Now looking ahead, we can expect a little bit of moderation in year-over-year growth rates just given the strong prior year comparatives, but we really expect the momentum we have to continue going into the second quarter.”

In context

“year, but we continue to see some momentum in U.S. dollar single premium products. An important dynamic for the quarter was our mix of business, between yen and dollar products, was close to 50-50, reflecting a very diversified product portfolio. Now going to the rest of Asia, sales there were up 18% year-over-year. And here, Korea was a key driver. Sales growth was up 44%. And here, too, we saw momentum in our U.S. dollar sales, where we've been able to leverage what we've done in Japan with U.S. dollar product as well as our investment expertise and take it to Korea. And then, we also saw strength in our Korean won product there, and that was driven primarily by the strong macroeconomic environment, particularly the rising equity markets. So we're off to a strong start for the quarter. Now looking ahead, we can expect a little bit of moderation in year-over-year growth rates just given the strong prior year comparatives, but we really expect the momentum we have to continue going into the second quarter. Ryan Krueger: And on non-medical health, could you give us a little more color on the key drivers that impacted this quarter? And also just how you're thinking about the rest of the year? Ramy Tadros: Sure, Ryan. It's Ramy here. So if you think about the quarter, 3 kind of drivers I would point to. First is dental, very much performing in line with our expectations. We did observe the seasonally higher dental utilization coming through in the quarter, which does impact the ratio, and we would expect utilization to moderate in the second half of the year, and that's kind of consistent with historical trends. For disability, we did experience higher disability claims. Those were coming from the impact of new state-mandated paid family leave programs. These new programs have a claim pattern”