John Barnage

“Appreciate the opportunity and hope you're all well. My first question, can you talk about software exposure in the investment portfolio? If you're underexposed to that area, where's some overexposure where you believe there is a strength?”

“My question is about adjusted EBITDA profitable in 27. How do you think about the target for premiums to surplus at that time? And do you think he can operate at greater leverage given some of the operational scale you've begun to achieve?”

“I believe you had talked about earthquake launching. How large of a market do you think this is for the company in 26?”

“My first question would be focused, you talked about brand spend. Can you talk about some successes that you've had in reaching pet parents in different ways and how maybe that'll be accelerated going forward?”

“My first question, if we can maybe stick on home warranty, is that 140 a new level we should be thinking about with the business located in corporate, or do you think there's a reversion lower in the corporate loss beyond 26 in the investment period?”