John Healy

Can you just remind us again just the size of the business, maybe either in terms of dollars or units again?

talk a little bit about the industrial side of the business? Maybe where you're at as you think about investments there

what does this business really grow, do you think in the next 3 to 5 years?

is this the right tool for you guys? Do you see yourselves just using open market purchases?

where you think we are in the continuum of premium to the consumer from the insurance industry?

any thoughts with rates probably coming down and you know, that that cash being at the levels that it is, if you could just kinda go over for us your appetite for capital returns

priority-wise for the new fiscal year as you roll into that. I know you guys gave us a ton of color on the quarter

I think you guys are up to maybe 6 or 7 Chrysler dealerships. There's a lot of the dealerships now. Any kind of updated perspective on where you're seeing benefits

how you see yourself maybe facilitating those, that business potentially as being a service provider there? And kind of any updated thoughts maybe on evolution