Pablo Singzon

Or could you potentially increase that and internalize more of the underwriting income?

Do you think this is a blip or is there a risk of casualty or refacing the same structural hesitance that property cat experience

any perspective on how large that business might be for you in the medium term?

to what extent the benefit ratio in Japan year-to-date will influence your approach to reviewing reserves in the third quarter?

Is there any reason why the benefit ratio should increase from here? Or basically, is your view that claims are just too good in 1Q?

Can you talk about your current involvement in the product? Today, I think you will see admin services

How much of that, in your view, is the result of a generally favorable environment for personal lines versus changes that you have put through and perhaps your mix as well

Maybe if you could talk about your expectations for the second half

Do you think you hold growth at that level? Or is there a risk of degradation because of just increasing competition?

can you talk about how personal auto retention has been trending for you?

I wanted to shift to AI again, but this time as it relates to your distribution strategy and how you reach customers

I just want to understand better the sustainability of the strong result in 2Q.

can you please give perspective on how that block has been growing the past 2 to 3 quarters?

would it be reasonable to think about some sequential deterioration or organic ex contingents

on cancer claims at Liberty National. I think you might have an even bigger cancer book at Family Heritage

Is there something different about the products there? Or was that comment more about the unique nature of claims

is there a greater risk of anti-selection from your end?

I was wondering if you could speak about the lapse component of your [indiscernible] gains as well as the morbidity side

Can you talk about the mortality experience for the other blocks of business you have.

could you comment about your outlook for EMEA? Earnings were above the quarterly run rate you had provided before

Do you think the trends you've seen so far, right? You called out severity, paid families, would those require repricing

any commentary you can provide on the willingness of the E&S insurers to deal with you directly rather than a wholesaler

On the wealth business, how much of the revenues there are tied to markets and just generic type fees

have the good results affected the competitive environment in any way?

if you think about other metrics such as client count and number of active participants

I wanted to ask about your efforts or the growth spread earnings, whether from institutional lose or AM sitting in retirement plans

I was hoping you could elaborate on your comment about the asset management pipeline being very strong

you had mentioned some areas of irrational competition in Personal Auto

if we take the Robinsons segment, can you talk about the rough split between direct and agent there?

Are you able to size the incremental investments or costs you need to basically put up to generate the higher expense savings

can you talk about what was new with the RILA product that you launched in December

I was wondering if you would be willing to give a more current update on the Life Planner count or most recent trends

I was wondering if you could provide just more color on what gets you there in the second half of the year.

can you talk about your approach to trading off, or I guess balancing margins versus unit growth

The Travelers Companies, Inc. is one of the largest cyber writers in the U.S., and the question is, how are you thinking about your exposures there and risk management given recent developments

You talked about the impact of the Canada sale on earned and written premiums. I think you had mentioned two points. Should there be a similar proportionate impact on the dollar run rate