Michael Zaremski

“I guess just dovetailing on that, I guess I know the answer, but the acquisition expense ratio trend as you kind of remix, should we be continuing to trend that?”

“Kudos to you all for extending the call, given the demand. I'll just go with one question. And Powell, when I kind of hear your comments about the 27 outlook and retail being two to four organic growth relative to the rate environment, to me, it sounds like more business as usual.”

“I guess just curious, you know, given the bump in frequency, which hopefully is temporary, you know, why didn't you decide to take any reserve additions, maybe in commercial auto?”

“And just lastly, my follow-up for Eric, congrats. you know, we're looking forward to working with you. I mean, I don't expect you to kind of be able to specifically preview any changes you might make when you're officially in your seat, but just curious, you know, you've been there for a bit now.”

“In the insurance segment, the underlying loss ratio, you know, continues to show some healthy improvement. Is that, if you can kind of talk about some of the drivers, I believe, right, some of the non-renewals on some programs is, I think, helping that.”