Our industry is operating in a challenging and changing environment. We continue to face nearly a decade of persistently low interest rates, including recent historical lows late last year, volatile markets, and an evolving regulatory landscape. Lincoln is committed to proactively managing its business in this environment to ensure we are operating responsibly, and continuously positioned to deliver on the long-term promises we make to your customers. At times this requires Lincoln to make fair and responsible adjustments to our products; all of which are guided by our decision-making philosophy of balancing impact across all of our key stakeholders.
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