Josh Schenker

“Thanks for taking my call and as I said in the last call, I'm the president of the Dennis McDaniel Fan Club, so I really appreciate everything he's done for the company and done for shareholders over the years.”

“I'm looking at the Travelers numbers and the Allstate numbers and Hartford's, and I have some guesses around Geico's numbers, looking at what they've done. And it doesn't seem like they're growing very quickly as Progress's net policy count growth has decelerated.”

“Ah, so in any given quarter, you're not paying taxes based on your tax obligation. You're using it to pay taxes based on the amortization rate.”

“So, Robin, your prepared remarks, it was almost like a throwaway. The last thing you mentioned was being really displeased with the direction of trend in casualty reinsurance markets.”

“I was wondering, with the elevated expense ratio in AFLAC-US, how long do you expect the investments and the work you're doing to accelerate growth ways on the expense ratio?”