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is that $140 million a new level we should be thinking about
can you remind us on a per-share basis how much favorable reserve development helped earnings in '25
Can you talk about AI, how you're incorporating that in your business, not just to drive greater margin
first question is about tariffs. I believe '25 guidance now assumes impact from tariffs. What rang
about the expense ratio in the quarter. Are you able to identify by how much that expense ratio was