Hi, I’m John Greed, Chairman, President, and Chief Executive Officer of Mutual of America. We know that saving for retirement can be an overwhelming experience for many Americans. That’s why at Mutual of America we are driven by connections. What that means, as you will see in our Annual Report, is we are never far from where our customers live and work, and we use high-tech, high-touch, innovative solutions, that drive retirement readiness for our customers. Thank you for taking a few minutes to review our 2017 Annual Report.