“So far, we have not seen any impact. And I think EMEA's performance in the quarter is -- provides evidence of that. And we think that, provided the situation stabilizes from here, we're not going to see any impact. And if we do, they're not going to be material to EMEA overall and certainly not to MetLife's overall results as well.”

In context

“and operations not being affected by the conflict in the Middle East? Michel Khalaf: Pablo, it's Michel again. So yes, we're really, really pleased with EMEA's performance. And I would say that's been building over a couple of years now, where strong sales growth is translating into PFO growth and earnings growth as well. I think that's also reflective of the highly efficient structure that we have in EMEA, especially in Europe. With regard to the situation in the Middle East, just to give you a sense of EMEA's earnings, about 2/3 come from Europe, 1/3 from the rest of the region. And about 50% of that 1/3 comes from Turkey and Egypt. So clearly, we've been keeping a close eye on what's happening in the region. Our first order priority is the safety and well-being of our associates there. So far, we have not seen any impact. And I think EMEA's performance in the quarter is -- provides evidence of that. And we think that, provided the situation stabilizes from here, we're not going to see any impact. And if we do, they're not going to be material to EMEA overall and certainly not to MetLife's overall results as well. John McCallion: And I would just add, Pablo, just in terms of outlook, we probably -- obviously, this is a very strong quarter. I wouldn't consider this to be a run rate where we had a $90 million to $100 million quarterly run rate as part of the outlook. And we're probably trending towards the middle to upper end of that range is where we -- going forward. Pablo Singzon: That's clear. And then my second question, disability, maybe for Ramy again. Do you think the trends you've seen so far, right? You called out severity, paid families, would those require repricing beyond normal course? And I guess, how do you frame how you might be positioning the book today versus the past several years when results for the industry were just very strong? Lyndon Oliver: Yes. Well, just in terms of our”