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how the new business penalty has trended relative to your expectations
the primary drivers of the improvement in new apps specifically within the IA channel
where pricing was excluding New York and New Jersey and maybe just more broadly
how you're thinking about holding company liquidity and how quickly we could see you guys normalize that level
I was just wondering if there's anything unusual, embedded, maybe any tariff impacts or anything like that contemplated in the loss ratio
I'm just curious if you think this level of new apps is being flattered by an unusually high amount of shopping
we've been thinking that you could certainly grow PIF in both home and auto in 2025. Is there any reason why you would be hesitant
Was hoping you could talk about the decision to ramp it up here in the fourth quarter. And I'm curious, what your measures of ad spend efficiency are telling you
you mentioned being mindful of the impact tariffs could have on short-tail lines and it's clearly a moving target
it looks like direct quote volume increases have really taken off while agency quote volume has not seen exactly the same acceleration.
Can you help us think through the potential size of the Florida refund related to the excess profitability?
just hoping you guys could talk about the impact of the new business penalty today in personal auto
you give us a sense of how much business is being unlocked for growth here? And if easing those can result in
When you think about the margin improvements during this year, are we seeing improved picks in casualty at all
Just curious how you all are thinking about this continued consolidation of insurance brokers
I just wanted to revisit the tariff discussion that you all provided us with helpful thoughts on last quarter
the casualty lines and the way we're thinking about those loss picks, yeah, you're right to remember that last year
I was curious if you also see tariffs eventually impacting the liability costs within your claims over time.
I was hoping you could just walk us through what you booked for Milton, if that $100 million increase in current
I was hoping you could kind of unpack the renewal rate change a little bit and what you saw over the quarter
could you just unpack some of your comments on the property cat environment leaking into casualty dynamics a bit.
I just wanted to ask about the catastrophe losses in the insurance segment.
just curious if you all still view this as sort of a 10% to 15% growth environment?