Creating shared value and sustainable transformation is at the core of how we do business at Old Mutual. The heart of our vision and strategy is to create positive economic, environmental, and social outcomes for all our stakeholders. We believe that active participation drives the kind of change that will make the markets we operate in more sustainable. In our continued commitment to support our sustainability agenda, we are very proud of the recent signing and our inclusion in The Nairobi Declaration on Sustainable Insurance (NDSI), where through collaboration, we will actively develop and promote sustainable, inclusive and innovative insurance solutions. Although climate change brings considerable increase in insurance risk, we believe there are also big opportunities for Africa, and that the continent can take the lead in developing solutions that will not only address climate change but also create economic growth.