Mike Zaremski

“The first question on the excellent loss ratio in the insurance segment. Rich called out in his prepared remarks, checking it, improved non-cap property losses.”

“You know, John, you talked about still early days of AI, you know, use cases impacting every employee's daily lives.”

“On just capital, So should we be just turning off the buybacks in the meantime?”

“On the mortgage segment where the growth popped and you called out non-renewing some of the Bellamide and less reinsurance, Can you quantify what that impact was and if we should be run writing that for the next three quarters as well?”

“First question on the expense ratio details you provided. I don't think in 2Q last year you quantified anything. So any quantification you want to offer us so we can better understand what the reversal was and how to think about the run rate, et cetera?”