Veritas' investments returned 0.5% in Q3 2022, though equity markets declined. For January-September, returns were -6.2%. The solvency position remained strong at 1.7 times the solvency limit. Premiums written are expected to grow over 14% in 2022 due to growth in TyEL insurance. The number of YEL insurance policies and TyEL insured persons continued increasing while disability pension applicants decreased.