And as we’ve shared many times in the past, also providing the more traditional facultative services, those are for cases that require fluids or that are more complex. And then we layer it on product development where we combine all those services, all that expertise to generate new products and new underwriting methods, it’s that ability to support all of their needs. That is an advantage for us. I see that contributing to growth. We see that contributing to growth and we see momentum picking up as we get into 2023 and beyond.
John Barnidge: Thank you. And my follow-up question, Todd, you had talked about a number of onetime items, some consulting fees in the prepared remarks. Is there a way to categorize that the degree or dimension the size of that? And was any of that related to kind of work for replacement vehicle to Langhorne REIT? Thank you.
Todd Larson: Yes, it was a variety of €“ as far as the other one-off type items. There were some fees related to the push to get the LDTI implementation ready to go for 2023. There was some various sort of local and state tax items that don’t necessarily flow through the income tax line, but flow through the income expense €“ general expense line, just a variety of little things that added up. I would say that going forward, as our business grows and as we mentioned, there is some elevated of financing expenses, including interest expense, we do expect the corporate loss average run rate to increase and for now, the size that I would say going forward, I would expect it to be more in the average quarterly loss rate to be more in the range of, call it, $30 million to $40 million and we can revisit that as we go forward. But certainly, we’re seeing an increase in that quarterly loss rate from the sort of the $25 million to$30 million we were seeing previously.
Operator: The next question comes from Ryan Krueger with KBW. Please go ahead.
Ryan Krueger: Hi, thanks. Good morning. I guess, when you look back at the full year 2022 for the U.S. traditional business, are you able to give us I guess, a rough sense of how mortality experience was relative to your typical expectations.
Jonathan Porter: Yes. Hi, Ryan, this is Jonathan. I mean I think overall, we had great results for the year. So we’re very happy with the results in U.S. mortality. It’s a combination of both better claims frequency relative to our expectations, as well as some favorable large claims experience, in particular in Q2 and Q3 that I mentioned. Of course, that’s excluding the impact of COVID, which, again, I think, came in at the lower end of our ranges. So for there, as we’ve seen the impact of COVID mortality go more into the older age groups, that’s also resulted in staying at the low end of our $10 million to $20 million range, which is also positive.
Ryan Krueger: Do you have any quantification of the deviation versus expected?
Jonathan Porter: Yes. I mean it’s €“ I think €“ again, if you pull out COVID relative to our expected for 2022, which would have included some assumption for excess mortality, it would be in the high double-digit millions.
Operator: The next question comes from Dan Bergman with Jefferies. Please go ahead.
