Hristian Getsov

you've talked about a mid-single-digit impact to loss cost trends previously. Can you provide an update on your expectations

How do you expect the drag on auto PIF growth from New York and New Jersey to be in the balance of the year?

Are those is the majority of that headwind paid it by now, or do you expect some further headwinds kind of in the first half?

what are you assuming in terms of the industry losses so we could, like, flex that sensitivity up or down

how are you thinking about pricing at the 1/1 renewals, just given what we know through hurricane season to date?

is there any change in that game plan? And then I guess, sticking to that, is there enough runway

how should we think about the premium per policy for an AV vehicle versus a non-AV vehicle over the long run

how much of that accelerating growth is based off improving retention, just given your lower pricing

how much was that driven by that new pricing model? And then given you continue to trend well below the 60% to 65% target loss ratio

have you noticed anything, I guess, any recent changes? And then, do you have any color on how October PIF has trended

have you guys seen any meaningful change in your data? And has your expectation for those impacts changed?

do they have different loss ratios versus on the direct side?

how do you guys balance all of those moving parts when you're pricing products currently and thinking about growth in the second half

did that get worse as we kind of went through the Q2?