Markets will always shift, but our commitment to clients is steadfast and unwavering. 2024 reinforced the power of consistency in our strategy, our partnerships, and the discipline of our execution. While others may react at the first sign of turbulence, we remain focused on being a stable, reliable partner for our clients and a thoughtful steward of this business. Over the course of our transformation, we made every decision with our clients top of mind. From our structure to new technology to rounding out our expertise, we made sure we have the right pieces in place to steadily face the changes around us. Our strength lies not in avoiding change, but in helping our clients to navigate it with clarity and purpose.