Ryan Tunis

“I guess first, just the start of the XCO earnings release, there's a quote from Paris saying, AI will reshape the insurance industry, not just in expense ratios, but in how coverage is bought and sold.”

“I guess, first question, ignoring the 850 margin, how much movement was there from these actions on the actuarial central estimate?”

“And I'm just curious, obviously, when we've had incidents of frequency increases in the past, it could be somewhat economically correlated. It sounds like there might have been a little bit of that.”

“First of all, on the on the mix shift, two parts to this one. First of all, is there a broader point being made that going from large account to small could be a contributing factor to growth deceleration?”

“I guess first question just for Parrish, taking a step back, I know you take a longer-term view. How do you evaluate, just like this quarter in general, good-loss ratio, you know, growth kind of chugging along, but it's kind of hard to interpret, like, where the momentum's at?”