Elyse Greenspan

“My first question is on the, sorry, the reinsurance segment. So you guys have been trending from an underlying combined ratio basis, right, just around 85 so far this year, right?”

“My first question is on the insurance segment. I was hoping to both just get a sense of the sustainability of the underlying loss ratio you saw on the quarter. Francois, I think you pointed out strong international results for the second quarter in a row.”

“My first question, if you look at your contingents over the past year, what percentage is volume-based versus profit-based, and would you expect the mix between the two to change over the course of the next year?”

“My first question, I guess I'm just trying to, you know, Rob, square away your comments, right? You started off by saying, you know, just pointing to, you know, greed and fear in the market.”

“My first question on, I just wanted to start with, you know, capital. You guys announced a new buyback program that's higher than the last authorization. So, just trying to get a sense of, you know, is the priority now just to take, you know, excess capital and use it for share repurchase?”