Robert (Rob) Cox

“So on the margin, you know, there's a lot of considerations, moving pieces, you know, at this point, is there an expectation for the 2026 full-year margin?”

“And then I just wanted to ask on Europe. I think the growth was a little bit lighter there this quarter. Is there any economic disruption that you see kind of expanding out from the Middle East conflict that worked into those numbers?”

“So just looking at the share buyback, numbers are really strong in the first, call it, few months here relative to your outstanding authorization. But my question is on the cash and the non-regulated entities.”

“So on the one hand, the business is shifting away from property and property cat, which should allow for an increase to premium leverage. But in the past, we've noticed it's been hard to right size leverage in a softening market like this due to the lack of growth opportunities.”

“You guys mentioned talent or hiring has been a contributor to the success this year. I'm curious, if we look at 2026, how do you expect talent benefits to materialize in organic growth versus 2025?”