Warren Buffet famously said, "You can't tell who's swimming naked, until the tide goes out." My interpretation of that comment was he was referring to liquidity. Liquidity has become a major topic in this week's news. We've had the failure of Silicon Valley Bank, we've had Credit Suisse in significant distress, First Republic, and many others. And we have a very, very stacked panel today to talk about liquidity and how it impacts insurance companies.