His extraordinary contributions to society, our industry, and our company cannot be overstated. His spirit, values, and priorities remain foundational to who we are and how we operate as a team. One of his great achievements while leading this company was the institutionalization of the business and making clear that this business is a team sport, not an individual one. While his vision and character remains central to our foundation, the performance and success of this company continues to be a reflection of the hard work and commitment of thousands of people that make up this team. Thank you again to all of those who have been so supportive during this difficult moment. Rich, if you would, please.

Thank you, Rob. Good evening, everyone. Operating earnings per diluted share grew 21% to $1.27, or $497 million, resulting in an annualized return on beginning-of-year equity of 20.5%. The company's second-best quarterly pre-tax underwriting income of $318 million and record quarterly pre-tax net investment income of $419 million contributed to the excellent second-quarter results. We continue to generate meaningful excess capital, as evidenced by total capital return to shareholders of $334 million through regular and special dividends, as well as share repurchases. While there's no predetermined amount of capital to be returned each quarter, this amount is consistent with what we did in the first quarter. Underwriting performance yielded a current accident year combined ratio excluding catastrophe losses of 88.1% and a calendar year combined ratio of 90%. Cat losses in the current accident year decreased $37 million to $62 million in the second quarter of 2026, or two loss ratio points compared with 3.2 loss ratio points in the prior year's quarter. the current accident year loss ratio excluding cats of 59.6 percent compared with 59.9 percent in the prior year the overall expense ratio is flat quarter over quarter at 28.5 percent and remains below our previously shared expectations that being comfortably below 30 but increasing modestly over 2025 barring material changes in the marketplace drilling down by segment insurance reported growth in gross premiums written of 5.4 percent to a record 3.8 billion dollars and net premiums written increased 3.7 percent also to a record 3.1 billion dollars the current accident year loss ratio excluding cats is 61 percent comparable with the first quarter this year the expense ratio of 28.3 percent was flat over the prior year bringing our current accident year combined ratio, excluding cats, to 89.3%.