Annual cash incentive awards are payable in March. You can click on the 'unsubscribe' link in the email at anytime. The total direct channel increased compared to prior year, and this is the combined Allstate and Esurance view. For all of 2021, adjusted net income fell 10.6% compared to 2020 to about $4 billion. If you look at us versus direct, I'd say we're less so, which is why we made the change to put in a direct discount on that business. And we're getting a lot of people interested in the notion of pay by mile. And then secondly, whether the difference between your by the mile product and the standard product, whether the demand is different. There are 21 older and 8 younger executives at Allstate Corp. It's taking a bit longer than expected. Mario, do you want to take that? In an attempt to stem inflation, the U.S. Federal Reserve raised interest rates seven times in 2022 and then again in February 2023. So two part questions with the result and then going forward. A proxy statement (or "proxy") is a form that every publicly traded U.S. company is required to file with the U.S. Securities & Exchange Commission (SEC) within 120 days after the end of its fiscal year. So the more accurate the price they are -- if someone takes them away from us, and we're really accurate through a lower price, then they'll we think, lose money. Is it an expectation that you can drive further improvement in '21 and the expense ratio? The other part to focus on is homeowners insurance where that's a higher capital return business and so we have a lower combined ratio there. After temporarily closing all of its U.S. stores in March, Sephora laid off more than 3,000 employees across the country in April. Scott Kirby, the airlines CEO said the decision to cut so many jobs was a very sad day for all of us here at United.. I mean National General's independent agent facing technology, it's among the best in the industry and then our combined agency footprint covers the vast majority of the US market. This had a negative impact on points of presence and new business sales. The Allstate Retirement Plan is a pension plan that is funded by Allstate and provides benefits at retirement based on pay credits and interest credits under a cash balance formula. 3. I mean they really reached out tons of calls on shelter in place and the payment plans and that kind of stuff. You read that right. In October, Cineworld, the second-largest movie theater chain in the world, closed every one of its locations across the globe, leaving 45,000 employees out of a job. As part of a streamlining effort, WarnerMedia cut 600 staffers, including a number of senior-level employees, Deadline reported in August. And then longer term, more interested in maybe 10 years down the road, what does Allstate look like? We expect continued growth in the direct channel as we optimize web and call center sales capabilities. Allstates stock price today fell $1.87, or 1.7 percent. What we're trying to focus on is really helping them buy and then give them self serve or have computers do it or whatever to lower the cost on the service side because it's cheaper, better and faster. ALLSTATE CORP income statements for executive base pay and bonus are filed yearly with the SEC in the edgar filing system.