Francis Matten

just wondering what would need to change for that inflection to occur?

is Aflac seeing anything changing around consumer behavior for voluntary products or regarding agent recruiting?

especially on the homeowner side, where I think historically, you've been reluctant to grow market share

how you're thinking about the opportunity to lean in more aggressively on pricing this year

Just wondering if you could unpack a little bit more. I know it references it car and home

I just wonder if you could unpack the opportunity you see for Lemonade and how much you think it can eventually contribute the share of your business?

there was like an $11.7 million like tax refund benefit that you all had this quarter