Next slide.

Good afternoon, everyone.

I'm Greg Stevens, the Disability Programs Manager.

And I'm going to be reporting out on three different workers' comp metrics, starting with lost days for our workers' comp program, which is really a measure of our overall claims severity and how we're doing in our return to work program.

So for the fourth quarter, I'm happy to report that lost days came down, an overall net decrease of 569 days.

So that's really a reflective of quicker injury recover and slightly higher return to work performance, which is nice to see.

Other factors that impact this metric are, return to work in general and claim severity.

raised, so thank you for this.