I think what would be interesting for people to hear is how does Penn Mutual determine what dividend they're going to pay?

Yeah, so many may know on this that we just increased the dividend by 25 basis points for 2027.

Yeah, so people will be excited.

And we are excited, and I'm excited as well, because that is the delivery of performance.

But, Rod, to get the specific answer right, I think there is three major components to the dividend, and we look at all three of them, and they're all very important.

Obviously, the piece that gets talked about most is the interest component.

And really, that is sort of the how much are we earning on the investment portfolio? How much do we expect to earn and how much are we able to give back of that in the form of the interest component? But then there's the mortality component.

So next question is, what effect does AI have on a company like Penn Mutual? And how are you adapting to new technologies, including AI? Yeah.