Our vision is to be America's Retirement Company™. We believe that we are well positioned to deliver on this Retirement Readiness need. We also offer stable value investment products to institutional plan sponsors. We monitor and manage pricing and sales mix to achieve target returns. See "–Organizational History and Structure–CBVA and Annuity Transaction". As of December 31, 2020, total AUM from these channels was $75.1 billion. This product lineup is mostly employee-paid through payroll deduction. Pricing in the stop loss insurance market is generally cyclical. of this Annual Report on Form 10-K for further information. Our 9 member Board of Directors is 56% diverse (four females and one person of color). Our captive reinsurance subsidiaries are not subject to insurance holding company laws. We will continue to monitor developments in this area. Broad data privacy legislation has also been introduced in the U.S. Senate. Accordingly, changes in interest rates could decrease net interest margin. We periodically evaluate and test our ability to realize our deferred tax assets. Our ability to write new business could also be adversely affected.