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talk about the sort of potential tailwinds and headwinds for growth
the margin profile of independent agency and direct that you're writing versus captive agents
are you seeing that result in companies getting a little bit more aggressive on pricing, or do you feel competition is fairly rational overall?
that should help new business volume, which sort of implies that the sort of turn that you've seen in this should sustain, but any reasons to believe that recent improvement would not continue?
capital deployment between growth, m and a, and share buybacks. And is it unreasonable to assume
of the remaining that you're not growing in, should that begin, happen throughout the year gradually, or is there more of a cliff event?
are you seeing competitors get more aggressive with pricing and writing business either with sort of implied losses or very low margins
I would have thought that it would be growing at a fairly fast clip since you were expanding your target markets
how the -- you view the competitive environment to be in personal auto.
How does that affect the TAM and the overall market opportunity for personal, auto companies over the next -- if you were to look forward, over the next 5 to 10 years
Why is it not reasonable to assume that you would see a slowdown in PIF growth