Jobs at Brighthouse Financial

Technical IT Solution Coordinator, FIS - Actuarial (Charlotte, NC (Hybrid) or (Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
As an IT Solution Coordinator – FIS - Actuarial, you’ll be responsible for supporting the management of a portfolio of Actuarial technology Prophet applications on Prophet Managed Cloud Service (PMCS). This role collaborates with the Actuarial Modeling, Liability Analytics, business valuation, business analyst and data team in order to serve as a conduit between business partners, various technology stakeholders.

In this role, you’ll get to:

Manage Prophet Development and Production support activities to ensure the on-time delivery of Actuarial IT initiatives
Create/Refresh/Execute Production Support processes and key reporting to support key processes and leadership updates
Lead Actuarial IT technical projects and ensure projects are delivered on time and on budget.
Leverage IT tools such as Jira to manage work effort across IT teams.
Produce superior communication and documentation to support enterprise technology solutions.
Ensure management against all processes and stage gates.
Maintain productive working relationships with all business, technology partners and third-party vendors in assigned enterprise space.
Communicates with assigned resources to ensure on-time completion of planned tasks.
Resolves project issues through direct action or escalation when appropriate.
Implements risk management standards into the program to ensure all risks are identified and properly mitigated.
Demonstrates a high-level knowledge of the architecture, data, and system dependencies that allows effective risk identification, mitigation and project management throughout the working team.

We’re looking for people who have:

IT project management and business (systems) analysis experience (6+ years).
Prior experience managing complex Actuarial systems and/or Prophet experience a plus.
Life / Annuity insurance experience or financial services experience a plus.
Experience assessing and improving business processes, systems, and associated technologies
Excellent oral communication, written communication, executive presentation, conflict resolution, and problem-solving skills.
Ability to successfully interface and partner with all roles of technical solution stand up projects and programs.
Self-driven ability to understand, uncover, resolve and recommend options to solve complex business issues with technology solutions.
Software development methodology experience (agile and/or waterfall).
Experience with project management tools such as Jira.
In-depth understanding of application development and/or technical acumen.
Developed understanding of enterprise technical landscape (insurance background a plus).
Passion for innovation and dedication to enterprise technology development objectives.
Flexible team player with proven track record driving and delivering successful technology solutions.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $100,000 to $125,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

The company and your department may occasionally gather in person throughout the year to foster a culture of belonging and promote team building. We’d love for you to join us during those company-wide and department-wide events to help you strengthen connections across the company.

Why join us?
Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting brighthousefinancial.com/about-us/careers/.

We’re one of the largest providers of annuities and life insurance in the U.S.,* and our commitment to being a great place to work has earned us recognition from Forbes as one of America’s Best Midsize Employers, from Newsweek as one of the Most Trustworthy Companies in America, and as one of the Healthiest Employers of Greater Charlotte.

*Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Senior Actuarial Associate II (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
As the Sr Actuarial Associate II of the Model Risk Management (MRM) team, you’ll be responsible for leading model validations across the organization and research key emerging actuarial issues within the life insurance space. This position sits within Corporate Risk Management (CRM) and collaborates closely with key stakeholders across business functions including Pricing, Valuation, Asset Liability Management (ALM), Audit, and other critical functions.

In this role, you’ll get to:

Independently review and validate models, including reviewing model documentation, evaluating model risks, and proposing review strategies and recommendations.
Strengthen risk management by identifying key issues and proposing enhancements to model design and governance.
Ensure compliance with regulatory requirements for applicable models, while promoting sound modeling practices.
Partner with teams across Pricing, ALM, and Valuation to provide effective challenge and validation support.
Support the Model Governance function by performing risk-based model reviews.
Perform and support other CRM initiatives as needed.

We’re looking for people who have:

Bachelor's degree in actuarial science, computer science, finance, mathematics, or a related field.
Strong financial modeling background with advanced experience in Excel and VBA.
Experience using actuarial modeling software such as Prophet or similar.
Actuarial credentials highly desired.
Familiarity with VM-20 and pre-PBR life valuation guidance is a plus.
Strong attention to detail with excellent communication, organizational, and interpersonal skills.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $110,000 to $130,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Why join us?
Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting brighthousefinancial.com/about-us/careers/.

We’re one of the largest providers of annuities and life insurance in the U.S.,* and our commitment to being a great place to work has earned us recognition from Forbes as one of America’s Best Midsize Employers, from Newsweek as one of the Most Trustworthy Companies in America, and as one of the Healthiest Employers of Greater Charlotte.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Sr. Financial Analyst (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:

As a Sr. Financial Analyst you will drive the GAAP Footnotes and SOX/Audit processes for the actuarial valuation department. This entails gathering data from the valuation teams, meeting deadlines for quarterly reporting, finding efficiencies in quarterly reporting and managing the department’s SOX and Audit requests. This role will work with various stakeholders such as Valuation actuaries, Controllers Department, Technical Accounting, SEC Department, Internal Audit and FCD Departments. This role will perform monthly and quarterly tasks, work effectively and diligently to resolve issues, and work on ad-hoc projects as assigned. The successful candidate will blend a solid foundational financial skillset with the desire and ability to understand the businesses we support.

In this role, you’ll get to:

Own the GAAP footnote process for Actuarial team, which entails gathering data from various teams, analyzing the data, submitting within prescribed timelines
Own the SOX documentation process for Actuarial Valuation team
Manage quarterly Audit Requests for Actuarial Valuation team
Complete Quarterly GAAP Reconciliations
Research and complete analysis on issues found in Valuation and ledger reconciliations
Research GAAP requirements for footnotes and disclosures
Support STAT processes as needed
Provide and implement recommendations for process efficiencies in both automated and manual areas
Develop and maintain strong relationships with our Business Partners
Lead process improvement opportunities
Ad-hoc requests and business partnering with key stakeholders (accounting, finance, audit, etc.)

We’re looking for people who have:

BA/BS degree, preferably in Finance or Accounting
2+ years of financial analysis or accounting experience required
Advanced Microsoft Excel skills (macros, pivot tables and advanced formulas)
Experience with financial reporting systems (SAP preferred)
Effective business analytical abilities, attention to detail and organizational skills
Strong analytical, problem solving, and communication skills
Creates Partnership within the actuarial department to successfully drive business objectives
Ability to handle multiple complex tasks under aggressive timelines
Self-motivated with the ability to take the initiative to make changes

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $80,000 - $90,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Actuarial Assistant (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:

Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:

As an Actuarial Assistant of the Life modeling team, you’ll be responsible for the Prophet model maintenance and development for the Traditional Life Prophet Workspace (year 1) and the SmartGuard Plus Prophet Workspace (year 2). The Life Modeling team is responsible for developing and testing Prophet models for new and current Life products.

In this role, you’ll get to:

Prophet modeling for life products. Involvement encompasses creating and building, updating, enhancing, running, and validating the models.
Analysis of model results, including reconciliation and attribution of changes, communication of results to valuation team and management, and detailed documentation
Implement and test new software releases, library updates, new products, new regulatory requirements, and shared table changes in the Prophet environment
Optimize models to follow coding standards and improve performance
Stage model inputs using Data Conversion Systems (DCS) and Assumption Manager

We’re looking for people who have:

Undergraduate degree in mathematics, statistics, actuarial science, or other analytical major
Passed a minimum of 1 actuarial exam for the Society of Actuaries
Currently pursuing an ASA designation with the Society of Actuaries
Strong computing and programming skills
Strong actuarial and financial skills
Strong communication skills
Can adjust work resources and deadlines in response to changing business priorities

What you’ll gain from the Brighthouse Actuarial Development Program:

Experience with a FORTUNE® 500 company that’s one of the largest annuity and life insurance providers in the U.S.
Study materials, study time, and exam fees paid for by Brighthouse Financial.
Direct exposure to leaders, mentors, and learning opportunities.
24-month rotational work assignments to promote career growth.
Automatic salary increases with each passed exam.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Candidates for this role can be hired at the Actuarial Assistant or Actuarial Associate level. Level and salary to be commensurate with exam progress.
- Assistant Level (1-3 Exams): Base salary ranging from $72,000 to $82,000 plus competitive performance-based incentives determined by company and individual results.
- Associate Level (4+ Exams): Base salary ranging from $82,000 to $95,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Why join us?

Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

External Wholesaler - Annuity (Chicago Planners - Remote in Territory) (Chicago, IL, US, 60601)

Alternate Job Location : Indiana : Fort Wayne

Where you’ll work:

This is a fully remote position in the assigned territory.

How you’ll contribute:

As an External Wholesaler, you’ll be responsible for providing investment professionals with the ability to help their clients achieve financial freedom with certainty and confidence, while promoting the Brighthouse Financial brand and increasing market share.

In this role, you’ll get to:

Responsible for building new and maintaining existing relationships with independent financial advisors in Chicago, IL and North Indiana to increase revenue from annuity sales. Ensuring trust from the financial advisor is crucial for the successful execution of the job.
Conduct joint meetings with financial advisors and clients to educate and sell annuities. Additionally, actively consult and advise financial advisors to provide them with value-added strategies to increase the business with their clients.
Collaborate with financial advisors to include annuities in financial plan for clients. Ability to educate financial advisors on financial products and the process of selling annuities.
Conduct meetings, seminars and training workshops to current and prospective customers to increase the knowledge of Brighthouse Financial’s products, describe our value proposition and present our products in the context of sales ideas.
Strategically plan and manage the deployment of resources to maximize territorial sales while being responsible for budgeting and expenses.
Work in conjunction with the assigned Internal Wholesaler to identify and foster leads generated by from referrals, ad campaigns and territory canvassing.
Responsible for keeping financial advisors informed of rapidly changing products and service agreements.
Must actively develop new relationships with financial advisors to significantly capture sales and grow assets, especially in key accounts, as well as servicing existing producing agents.
Provide competitive intelligence to sales and product management on a regular basis, as well as reporting and managing contacts (face-to-face).

We’re looking for people who have:

5+ years sales experience wholesaling in the industry (internal, external or combination).
Prior Point of Sale experience.
Proven ability to build strong relationships.
Proven ability to grow a territory as measured by sales and persistency of business.
Must hold a valid FINRA Series 6 or 7 and Series 63 license.
Must hold and maintain an active Life, Health and Variable Insurance License in their resident state.
In order to post for this position, you need the proper work authorization to work in the country. where the position is located and not require relocation assistance.
Ability to work independently and to communicate clearly and concisely.
Thorough knowledge of and proven ability to demonstrate sales and marketing principles and practices at the point of sale.
Excellent presentation skills, both in creation and delivery, to current and prospective clients.
Expected to maintain a thorough knowledge of existing, new and enhanced products.
Bachelor’s degree in related field or equivalent experience.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary is $61,200.00 plus competitive monthly variable sales incentive target based on sales results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Travel:

Up to 75%

Number of Openings:

Why join us?

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Investment Accountant (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:
This position is responsible for performing accounting reconciliations and preparing financial disclosures for the company’s fixed maturity and equity securities investment portfolio. The key responsibilities include participating in the monthly accounting close process and preparing schedules and related disclosures included in the Company’s Form 10Q/Ks and Statutory quarterly and annual filings.

In this role, you’ll get to:

Prepare balance sheet and income statement reconciliations for fixed maturity and equity securities between the general ledger and the data warehouse
Review and post journal entries provided by the accounting vendor
Responsible for working with the accounting vendor to ensure correct accounting is generated and resolve any discrepancies
Prepare investment disclosures in the 10-K, 10-Q, QFS, and stand-alone audited financial statements on a GAAP & Statutory basis
Prepare management reporting to support CIO and Earnings Call deliverables
Prepare/review the quarterly pricing analysis to ensure that the valuation of is consistent with the company’s stated policy and current accounting standards and guidelines
Analyze and validate data from internal and external sources.
Review the investment portfolio on a quarterly basis and evaluate for potential impairments on a STAT and GAAP basis and work closely with the members of the Impairment Committee and Asset Managers to determine impairment amounts
Proactive in developing new analysis to detect and prevent misstatements in financial results
Respond to questions from external and internal auditors, front office and financial reporting teams assist in implement new accounting pronouncements or disclosure requirements
Other tasks as needed.

We’re looking for people who have:

Bachelor’s degree in Accounting, Finance or other related fields
3+ years of Investment Accounting experience in the insurance or finance industries preferred
Knowledge of GAAP & Statutory accounting for Investments preferred
Advanced Microsoft Excel skills (macros, pivot tables and advanced formulas)
Self-motivated and eager to learn with limited guidance
Intermediate data management skills
Excellent oral and written communication skills
Strong analytical thinker with the ability to solve complicated transactions
Continuously look for opportunities to improve and innovate processes
Experience with financial reporting systems (SAP preferred)
Ability to effectively work with professionals across the organization, with diverse backgrounds and experience

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $80,000 - $90,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.

Derivatives Accountant (Charlotte, NC (Hybrid) or Remote) (Charlotte, NC, US, 28277)

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:

As an Accountant in Regulatory Reporting you will be responsible for supporting the Derivative accounting team and associated reporting for Brighthouse Financial’s investments in derivative instruments. The company uses derivatives to manage its exposures to changes in interest rates, foreign currency exchange rates, equity markets and credit risk across its diverse investment portfolio as well as hedging liabilities. Some of these derivatives are designated as qualifying hedges for GAAP and STAT and have special documentation and accounting requirements.

In this role, you’ll get to:

Prepare derivatives disclosures in the 10-K, 10-Q, QFS, and stand-alone audited financial statements for on a GAAP & Statutory basis.
Support preparation of Statutory Blue Book investment derivative schedules.
Assist with preparing journal entries for derivative accounting
Assist management in monthly review of reconciliations provided by vendor
Assist management in implementation of new accounting pronouncements impacting derivatives
Support management’s initiative to expand or implement accounting for new derivative strategies
On-going tracking of hedged items for derivative accounting
Preparing documentation of processes and controls associated with the hedge accounting program
Analyze and validate data from internal and external sources.
Develop accurate and timely ad hoc reports.
Analyze business critical data and recommend improvements.
Maintain accurate, meaningful and updated technical and non-technical documentation pertaining to all aspects of responsibilities.
Respond to questions from external and internal auditors, front office and financial reporting teams regarding qualifying derivatives, documentation & testing

We’re looking for people who have:

Bachelor’s degree in Accounting, Finance
2+ years of accounting experience in a public or private company environment is preferred
Working knowledge in GAAP or Statutory accounting and reporting is preferred;
Previous experience working with derivatives is a plus
Organizational skills and ability to track various issues at one time
Excellent oral and written communication skills
Proficiency in Microsoft Office (Excel, Word, and Access) required
Experience with SQL is a plus

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

Compensation – Base salary ranging from $80,000 - $90,000 plus competitive performance-based incentives determined by company and individual results.
Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.