(upbeat music) - At Manulife we have an ambition to be the most global, digital, customer-centric company in our industry. We've been partnering with Microsoft for over six years in Azure cloud solutions and also Microsoft 365. If you think about cloud, it really removes friction for our engineers who are delivering customer solutions. And Microsoft as a cloud partner lined up with us very well in terms of its global scale, it has the same values around customer obsession and how to continuously improve starting with an actuarial solution that allows us to run valuation models at a global scale, that make us better and more informed and have the appropriate risk levels. The iteration and amount of models that we can run wouldn't have been possible with traditional compute. Our existing system wasn't able to scale and moving that product to Azure not only gave us the growth and the scalability, but at a far more efficient price point. We've been using Teams to stay connected to customers and record events so that we're ensuring consent through Teams. What we're seeing emerge is virtual face-to-face where it's similar to an in-person visit but it's delivered through Microsoft Teams. You're allowed to co-browse, share documents, share systems that maybe used to be rendered on an iPad through Teams in a virtual face-to-face experience. The best innovations are occurring in the cloud, turning technology from an inhibitor to an enabler. Having a global partner like Microsoft allows us to focus on what our customers are asking for. Cloud isn't the strategy. Cloud is an enabler to give our customers a great frictionless, digital experience delivered by the continuous innovations that cloud services offer. (upbeat music)