Paul Newsome

the recent deals have been or you're doing hopefully better than buybacks. Is that kind of the baseline if you think prospectively

what you think generally how things will evolve You can tie it to what you think what's gonna happen with revenues and in the next year or just in general

Brown & Brown was talking about movement from admitted and non-admitted. Any thoughts on if that's happening in a material way for your book

was the MFP was was it accretive to organic growth in the quarter? And I guess is sort of the better question, it have a bigger impact in the

what appears to be differentiating behavior between larger account commercial and small and mid. And I'm just curious if you have any thoughts upon that

Excess and surplus lines have been obviously great business for you guys. That's another hot button topic of competitive issues. Anything you're seeing in your book

Is it also your experience that you're seeing some similar dynamics that other folks are that kind of middle market is holding in, but the larger you get, the more competitive

Could you maybe give us a few points on the other area that commercial auto reserve issues and trends that seem to become the other hot issue in the quarter

If you have any thoughts broadly on the whole social inflation issue and litigation finance challenges. A lot of your peers talking about it this quarter

Did you need to lower rates further in response to that as well? So should we expect prospectively, a little bit lower profitability?

are there pieces there that would suggest that maybe this is sort of essentially in the zone for return on equity as well?

Was there anything besides just severity going up? Like was there any geographic pattern to it?

I was wondering if you had any thoughts on the potential for sort of secondary impacts from the home insurance crisis in California

Given what's going on with the financial market, should we be a little bit more conservative or potentially more conservative in the next quarter

is it really kind of just as simple as the fact that people drive their cars away and wild fires is the reason for the relatively small amount of claims

whether or not there's going to be some sort of disruption really at the distribution level either for regulatory reasons or simply because L.A. isn't kind of a mess

whether or not you thought -- the firm thought, that the tort reform in Florida was having any impact

I was hoping to focus a little bit more on M&A. And if you had any thoughts if the increased uncertainty will change the M&A outlook

Could you talk a little bit about the level of telematics and whether or not we're getting to at least closer to a point where that is a more mature part

It looks like severity is accelerating a little bit in Personal Auto

Yesterday, Progressive gave us a little unpleasant news about their poor charge. Just curious if that is something

I was hoping you could talk a little bit about the war for talent. We see a lot of headlines, particularly on the property casualty side of the house about books getting hired back and forth

do you think you're getting kind of more than a fair share at this point? Or do you think you've sort of reached a point where you're kind of at your steady state

Just to talk about sort of the sensitivity those businesses directly. Is it is simply a matter of just looking at the assets that are management

Was hoping you could give us a little additional color on in the risk and broking business on carrier competition

We hear a lot about health insurance inflation, but it's kind of tough to translate that back to your Health and Wealth and Career business

are there geographies within that middle market platform that are particularly strong, or particularly lacking in general