Jian Huang

is there like a future where the functions and then the coordinations will be globally across departments in underwriting

As we think about just AI being much more of a variable cost rather than a fixed cost

any particular components within the tariff that is more sensitive. For example, are there like, wi

used car versus new car sales. Right? Like, if you think about, just the recent, auto sales and

Autonomous driving, it's been an increasingly more topical discussion

Curious is your view on inflation going forward. I think if we had this conversation 6 months ago

is there a need to move further to the higher duration part of your fixed income portfolio?

will that have an impact on your frequency or severity, especially given that you just recently achieved profitability in New York

everyone is talking about pivoting to growth. Just curious how you think about just new business retention, ad spending efficiency

If homeowner competitors were to pull back, does that disrupt their bundling strategy in your view?

Curious how you should think about capital allocation, but also capital return at this point of the junction given market has been volatile

Is this fair to kind of make some type of causal correlation between the time you achieve profitability and the time that you you start to grow the business?

Should we expect your current level of combined ratio to hold for auto as you head into a environment where everyone is looking for growth?

As we think about AI expense, it's variable expenses, it's token-driven, prompt-driven on the input cost side

Can you maybe help us to think about the growth trajectory over the next 5 years

Can you maybe help us unpack this concept a little bit? Just -- we're hearing inflationary concerns out of Asia

can you maybe give us a little bit of the competitive dynamics there, right? You made an acquisition there this year

Maybe can you give us a little bit of color outside of Mexico in Latin America in terms of -- what is the opportunity there

can you maybe help us think about the potential size of that market and the growth opportunities there for the industry, but also for Lemonade

can you maybe just talk about your competitive positioning versus the industry and where you are in the car business today and how we should think about that growth engine going forward?

As that business mix shifts, does your LTV assumptions change going forward?

can you maybe talk about what is a path to GAAP net income profit going forward?

how you plan to navigate the future of autonomous from a Personal Auto insurance context?

as we head into 2026, can you maybe comment on your thoughts on severity?

Do you need to maintain the current level of ad spending in an increasingly competitive environment?

if we remove the tariff as a headwind, is it fair to say that you should be able to grow much more aggressively or reduce your pricing significantly?

do you plan to take rate decreases in order to accelerate growth?

Industry seems to be facing continued headwind from litigation cost and reserve challenges

Are there areas where you think maybe the market is too cautious, and it represents a very big opportunity for you

Is there some way to think about the balance between growing inorganically versus buyback and dividends?

are there any lines of business right now where you feel within casualty or you feel the pricing trend is beginning to not make sense anymore.

you can essentially turn on and turn off growth. Can you maybe help us to understand how quickly you can turn that growth

any particular geography in the US where you feel it could be represented like a higher risk area