Pablo Sing Son

“And And then second question, what is your outlook for your reinsurance initiative? It seems like there's a lot of opportunity there in Japan and, you know, you should just grow fast naturally from a standing start.”

“The global personal lines business combined ratio has been running close or better to your investor target for the past several quarters. So how much of that, in your view, is the result of, you know, a generally favorable environment for personal lines versus changes that you have put through?”

“But Gordie, the first question I had was some of your competitors are talking about comp and commission rates being renegotiated by carriers in this sort of, I guess, more open environment where they want to grow.”

“I was wondering if you could provide perspective on new application growth in personal auto. So last year, apps grew about 25%. So far this year, I think you're tracking to high single digits.”

“So from your presentation, you highlighted the importance of agents in pursuing your bundled strategy. So if we take the Robinson segment, can you talk about the rough split between direct and agent there?”