Jeff Schmitt

your growth strategy for the new Home Warranty business just in terms of building that out beyond the Compass partnership

how much revenue is the new Best Buy legacy book adding in Global Lifestyle

Could you discuss the size and cadence of investments that you're planning for that business in '26

What geographies are you starting in there, and then how have you gone about, you know, sort of building out the contractor network

the overall benefit ratio in Global Lifestyle, it's around 23% to 24%

investment income from other investments was negative in the first half

size and cadence of higher investments for, I guess, new partnerships, program launches, things

Are you seeing a lot of insurers fleet, California after the fires. So could we maybe see that kind

in Global Auto, are you still seeing elevated losses in that GAAP book? And how much did that cont

is there any guidance you could provide on how to think about crediting rates coming down for both the bank and certificates as the Fed cuts rates

could you discuss some of the expense actions you've taken there over the last year or 2? And when do you expect those initiatives to be complete

With top line growth slowing in wealth management, is there an opportunity to maybe get more aggressive

you mentioned you're targeting a payout ratio of 85% in the second half

Could you provide us with an update on what you're doing there? Is that really for the multi-listed options?

Could you discuss some of the initiatives you have on the AI front that could help customers generate more revenue?

Would these be similar to prediction market products? And could you just provide some more detail on what you're doing there?

Is that just being driven by retail strength? Do you see a structural shift there? And is that carried over into '26?

On the Axiom to Calypso cross-selling opportunities, I know Thoma Bravo never really kind of fully monetized that avenue, but are you doing anything different than they did?

does that assume much international expansion? Or could there potentially be upside there if that momentum picks up

On the Proprietary Index Options business, revenues doubled during the year. Could you discuss what your plans are for that business