Charlie Rodgers

What exactly is the data that you guys are receiving and pricing based on?

What kind of assumptions are you guys embedding in your pricing for 2026 regarding loss cost inflation?

how are you kind of prioritizing retention versus new business acquisition?

what is the difference, if any, between new business penalty in the 2 channels?

did you see like a material reversal of that in second quarter?

how should we think about the contribution of new partnerships? I'm thinking like HCA or the Experian partnership

was there anything driving frequency down that you guys would call out that we should maybe think about as being non-recurring or perhaps recurring?

Can you guys talk about whether or not you're shifting the type of ad spend between like brand awareness spend versus performance marketing

Between the direct and the embedded partnership channel, where are you guys seeing better returns going into 2025?

Do you expect the dynamics as you see them right now, between the two channels to be consistent going through 2025