Mm-hmm

... out of the 12-month rolling period.

And we found that each of the age groups that when we look in broad age bands examined in the report, the 2025 fourth-quarter mortality rate was less than the corresponding rate for the prior year, and in particular, the 20 to, age 20 to 49 age group experienced the largest improvement, so that particular age band had a 7% drop in the fourth-quarter mortality rate relative to that same fourth quarter in 2024.

So encourage everyone to check out the QMMR.

That was, I think I've mentioned on prior podcasts, tool and report that was developed when there was a sense that we needed more frequent perspectives on how mortality was trending throughout the year.

The other few things that I'd mentioned are either recent or upcoming webcasts that are based on published research.

So the first is webcast that was done on April 23rd that covered complex assets and insurance in the annuity industries, or at least based on that research.

[laughs]