Katie Sakys

it doesn't seem like health inflation might be as much of an uplift to employee benefits organic this year as it may have been last. Can you walk us through what you're thinking on keeping the 4% b...

thinking about the 200 bps headwind from roll-in on this quarter's Brokerage adjusted EBITDAC margin, how might we think about impact from rolling of M&A going forward

is there any changing in your thinking about the need to potentially divest some parts of that business or offer other remedies

I think I heard you guys mention 7% growth on E&S business in the quarter. Would you be able to break that down a little bit further

Which of those quarters, Doug, do you kind of see the most potential to upside versus your current estimates right now

you'd mentioned that you expect brokerage organic growth in 2025, split between the components to come from about half new business

whether we can expect to see a more common cadence to attritional property reserve releases

Could you give us a little bit more detail on your outlook for the line going forward

extrapolate that shift in loss trend assumption to the global property cat portfolio

is there any additional color that you guys can give us as to how you think the charges from last year's reserve review

How is the loss emergence in GL tracking versus your original expectations? And does what you're seeing today reinforce your confidence in current casualty loss picks

Can you help us understand how much of that exposure is to software or adjacent borrowers

Do you guys think you've seen the bottom of retention in the homeowners business? With improvement possible in 2026

how are you guys thinking about growth efforts going into 2026 and you know, how that might translate to your margin profile

Is 73% gross loss ratio still the right target for the business at this point?

Could you guys give us an update on where exactly in that process you currently sit?

is this sort of a bottom on the retention ratio, or should we expect that to continue to decline some over the next couple of quarters?

On the $45 million gross loss from the California wildfires, how does that break down between homeowners and renters/condos policies?

what is giving you guys the confidence that you'll be able to lean in heavily to growth in 2026

How are you guys thinking about rate relief in Florida over the course of '26?

how you guys are thinking about the potential for additional regulatory changes over the next year or 2?

How has that time frame shifted coming out of the pandemic?

are there any other states where you may potentially have profits that are exceeding statutory limits and might have to consider issuing a refund to policyholders?

can you map out for us what's driving your confidence that those underlying results hold in, in 2026?

let us know if there were any similar additions to IBNR this quarter?

any new news on Berkley Embedded. I realize it's only been a couple of months, and I might be ahead of my skis here

what's giving you confidence in the growth that you're still showing in that book

the Reinsurance & Monoline Excess loss ratio. I mean, it was an exceptional result this quarter on an underlying

how much of the new business that your specialty operations saw in the quarter came from recurring revenues versus, like, one-time revenues

in terms of thinking about the rest of this year, what are you guys thinking might drive higher organic growth? And what assumptions are you making about client spend management

could we potentially see some further upside into that guide over the next 6 months as you get a better sight line on potential growth expectations?