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We're glad to hear you enjoy the benefits offered at Transamerica; especially work from home. We encourage employees to utilize this. As you know, we've embarked on a journey to be more relevant and responsive to those who rely on the solutions we offer. This means investing in new approaches as well as organizing ourselves to be more efficient. Inevitably, this entails change which naturally can be difficult. Nonetheless, we believe that this is the right path and one that will enable us to be successful long-term. We appreciate your feedback.