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the average growth premiums written per policy turned negative in the fourth quarter
is the priority now just to take, you know, excess capital and use it for share repurchase
how it's trended for just active brands and when we should think about retention inflecting up
I was a little bit surprised the buyback perhaps wasn't higher given that there's more capital at parent
are you going to either absorb it with potentially absorb it in your margins, Or would you look to take additional price to offset any increase
Were there perhaps cars being purchased in advance of tariffs? And did that impact any of the numbers in March
can you guys provide, I guess, what the current excess capital drag on your ROE is
price was down 10%. But your book, I believe, you said was down 1%. Can you just comment, I guess, what enabled you
you guys had mentioned that it's $2 billion in premium, the specialty book with an attritional loss ratio in the mid-80s
what you're seeing in the comp market in California. I know another insurer had flagged a huge uptick
What percent of your cedents have notified you of their losses at this point?
I was hoping to get a sense of the industry loss. And then what kind of premium did you guys write
ex the aviation losses, are those the levels that we should think about
right, why you'd be booking U.S. casualty reinsurance significantly better than insurance
what would be like the discrepancy between your insured loss estimate and others
just comment just on the competitive environment in general and what you observed in the Q3
It seems like from the Q commentary that you guys really have not seen an impact yet.
you mentioned -- there were some comments on capital and just obviously holding capital as a detriment to your return.
how do you expect, I guess, policies in force growth to trend given these trends
If there's a state that's operating in a mid- to high 80s combined ratio -- and like we're assuming right tariffs
just specifically at the underlying loss ratio that was stable year over year in the Q3. So I'm not sure if there
Have you guys did you guys see any impact of tariffs at all in the quarter, whether it was September relative to
coming back to just, you know, medical inflation. Now are there any considerations from the OBB legislation?
You guys marked part of the proceeds, right, to be used for buyback, but that leaves some extra capital.
think you'll start to see the impact of the tariffs and that higher loss trend in May and June
So what was the change from the 180 to the 60 that now seems like run rate in BI from Q3 to Q4 on the underlying
if the fire is a large event, this does earmark your cats to a certain degree, right, for the full-year
I think you also said, right, that there is probably perhaps less of a need to continue to push for the same amount of price.
I know last quarter, you said we're kind of in this 8% to 10% growth world. This was a little bit lighter.
You guys didn't buy back any shares in the quarter. Just wondering what drove that decision?
I know I think in the prepared remarks you guys said
you guys in the last couple of calls, right, have been willing to kind of provide the reserve breakdown