Greg Peters

I'm looking -- I've been watching the last several weeks, the yen go down relative to the U.S. dollar

The large brokers are talking about the build-out of this infrastructure as being a big opportunity

just around the expense ratio. If I look at the year-to-date results on the PC consolidated policy acquisition ratio

the overseas general growth stands out as somewhat of a surprise. And so I was looking for some more color on that

how is it affecting the coverages for casualty and general liability? Is it making it uninsurable

The tariffs are an issue, potential for increasing inflationary pressures. You called out the risk of recession

when we ask you about technology, we'll get a couple of sentence answer, but it's really hard for us to figure out what's really going on

in your press release, you say you’re growing operating earnings and EPS at a double-digit rate

the gross loss might be or what you're pegging for using for your gross loss number

Can you can you talk about what your perspective is of that market looking forward

just to growing sense that the pricing cycle's kind of peaked

what you think the growth of the agency force might look like or the appointments that you make in '25

I think you're growing your exposures like in California, Texas and Florida

Can you give us a sense of how the profile business has changed over the last couple of years

what's the final destination if you look forward for the global Wholesale and Specialty business when we think about

it feels like when we go into the June renewal season that there could be further pressure on reinsurance pricing

the potential risk of spillover into the reinsurance book on your casualty business

How are you thinking about that business in the '26 period of time, considering what looks to be like a lot

we're hearing of pricing -- more pricing pressure than it seems to be that you're conveying

we're hearing and seeing some pressure on rate there. I understand you're 1-Renewal position on casualty

how reimbursements from the California wildfire fund might flow through and ultimately come through Everest Financials

trying to reconcile the pricing pressure we're hearing about versus your desire to grow

how you plan to manage volatility considering that you're non-renewing all this casualty business

give us sort of some framework about what your budget looks like for capital management activities?

what's your view on this technology, emerging technology?

what does Personal Auto product 9.0 mean versus product 8.9 and is the difference that material?

I'm curious if price decreases can also be disruptive to retention, triggering shopping.

I'm sure you're using some technology to improve those costs relative to earned premium. Can you talk about what kind of leverage you have for further improvement in LAE

maybe you can give us some perspective on where you are with new money yields and book yields

if you have a view on any regulatory pushback you might be getting on the profit levels in your business

Just wondering when the structural shift in the expense ratio might materialize. And maybe know, I was looking at

talked about the digital initiative you have going on in business insurance. Talk about some of the stuff going on

what does the Travelers business model look like in terms of top line growth on a consolidated basis

you're gonna relax some restrictions by the end of the year? Can you sort of foreshadow what that looks like

how much of the select or middle market business has exposure to potential market price competition

Can you talk about what you're doing on the tech spend area? In response to this.

has there been any change in your perspectives on what your underlying loss cost trends are across your book?

you talked about the select retention dropping down a little bit, doing part to some changes in your CMP profile

I thought maybe we could spend a minute and give us some more granular details on what's going on there