Yaron Kinar

“I want to start with a question on the growth guide for premiums. So pulling that low to mid-single teams premium growth guide for the full year, I think implies at most flat premium growth in the fourth quarter, which would be a further slowdown from the third quarter.”

“So on your comment regarding advertising to maximize growth as long as that spend remains efficient, are there changes to advertising channels that you're prioritizing when considering normalizing retention?”

“My first question just goes back to interest rates and maybe a slightly different angle here. If they continue to rise, at some point, concerns around CRE. At what point do you think that becomes a legitimate risk to the balance sheet, and what actions can the company take to mitigate that?”

“It may be a little bit of a nitpicky one, but when I look at the Assured Partners Organic, like a quarter ago, in the second quarter, you talked about roughly 4%.”

“Going back to the commentary that the accident year 26 loss picks are showing to be prudent and don't need additional strengthening, even as prior years, including the more recent years did, would you say that the prior year reserves have now reset at the prudence level and margins that you built into 2026?”