Pablo Singson

“So just wanted to follow up on that last point on reinsurance helping crop performance, you know, recognizing that he's the heaviest score for a crop, but do you think some of that trickles at the 4Q and then that?”

“For organic growth this quarter, I was wondering what was it excluding the impact of a Florida takeout business?”

“So, assuming that some portion of these mental health claims convert into paid, whether it's a normal or surge-adjusted level, what do the recovery curves on these claims look like, and do you think it would be accretive, mutual, or deluded to your favorable recovery trends overall, right?”

“First question I had, so the upsized 26 EBITDA synergy number, how much of that showed up in 3Q26 vis-à-vis an expected incremental benefit in 4Q?”

“The first question I had was on 27 EPS guidance, which implies about 7% growth at the midpoint. So how much of the growth will be driven by buybacks? I think in recent years, buybacks have contributed anywhere from 4% to 8% of incremental EPS growth versus growth in dollar earnings.”