$LNC looks cheap on the surface, but the discount comes with real risks. Higher leverage, exposure to legacy annuity guarantees, and questions around earnings quality could make it harder for the stock to rerate. At the same time, Lincoln just delivered a Q2 earnings beat, so there’s still a case for a turnaround if management keeps improving capital strength and profitability. Do you think $LNC is too risky to touch, or could this discount turn into an opportunity?