We have a global presence, with APG offices in Amsterdam, Heerlen, Brussels, New York, and Hong Kong, as well as satellite sites in Singapore and Shanghai. Thanks to this global reach, pension funds and their participants can take advantage of extensive local investment expertise. And they can also take advantage of our access to great investors, specialized investment options, and mandates with external asset managers. Furthermore, our scale enables us to negotiate attractive terms. We pass these benefits on to our pension funds and their participants, thus contributing to stable long-term returns and low costs.