Dave Motemaden

how that manifests through margins? Because it feels like that's margin accretive, at least over the last few quarters

The December presentation showed about 150 basis points of combined ratio improvement from the digital transformation over the next 3 to 4 years

excess capital, I think in the past, you guys have talked about it as a drag on the ROE. I guess how can we think about that

had a question on the ROE outlook increase to 14% plus from 13% in December

Just in North America personal lines great to see another quarter of current accident year ex cat loss ratio improve

it was good to see global P&C growth, excluding FX, is fairly stable again this quarter at around 6% to 7%

it definitely sounds like a tale of two cities on the property side with still the small middle-market remaining healthy

within the overseas general business, I noticed the Europe growth ticked up a little bit, probably too early to see any signs

I had a question on the--for Peter and Evan on the favorable long tail reserve development

I was hoping you could just size for us the stranded overhead associated with the renewal rights deal. And I know

Anything -- any other changes around the casualty reinsurance reserves in the fourth quarter that you guys want to call

I was wondering if you could just elaborate a little bit on what happened exactly there

I think when we had the reserve update at the end of last year, there was $180 million of risk margin in that book

Did you make any changes to your forward view of loss picks on that property business

if you guys deployed any capacity in aggregate covers more so at midyear than you did in the past?

the attritional loss ratio has been improving, and that sort of stalled out, excluding the aviation loss

what sort of reduction do you think the market can bear while still generating attractive returns

what sort of cat load we should be thinking about for Everest now that there's been a more

Have you guys been doing something similar and stepped up your engagement with your cedents?

I was a little surprised the stable pricing that you put through in the third quarter, just given how strong the margins are

I'm sort of looking at ISO data. I think for 10 years up until 2019, industry frequency was pretty flat. And now when I sort of look since 2019

how much is the mix dynamic versus how much is more just competition.

Are you seeing any impact just from customers that might not be filing claims and sort of with the deductible, just sort of eating the claims?

if you could help me think through the improvement in renewal applications growth that's come at the same time

I noticed the policy life expectancy continued to tick down this quarter sort of has been moderating a bit.

Tricia, I just wanted to talk a little bit about your appetite for continuing to ramp the advertising spend.

could you help me understand a little better the moving pieces there then just relatedly, just the cost of that

Any sort of thought in terms of how we can think about the buybacks throughout the rest of this year outside of 1Q

You gave the RPC and rate ex property. I was wondering, that's a new disclosure. Wondering if you can just talk

in 2Q last year, there was about one point of light non-cat weather. Any of that happen again this year

How concerned are you about the durability of that? And if some of that weakness that you're seeing in large account

when I think about the 2%, is it right to think about just adding back that four points of reinsurance drag

I'm wondering if you could just talk about how you're thinking through the impacts of the tariffs across your businesses

I guess I'm wondering, is there anything else in that 57.3% that's not sustainable or favorable mix or anything

just adding more IBNR to some of those casualty lines and then maybe just looping in the decision to increase

just go back just on the PYD. And so it looks like a little bit under $11 million in insurance of adverse offset by about $13 million of favorable in reinsurance.

there are some pockets of competition picking up there. I was wondering if you could elaborate

At least on the insurance side, didn't really look like there was anything going on in terms of the loss pick

had just a follow-up question on the reserve development within the insurance segment, the $11 million

has that made you reevaluate at all your outward program? One of your peers purchased a little bit more coverage