Kathy Antonello : Thank you, Mike. We are currently laser-focused on integrating Cerity's operations into those of Employers. After the consolidation effort is complete policies issued by Cerity and Employers will be administered and serviced consistently and redundant systems and processes will be eliminated generating additional efficiencies, and expense savings for the company. Through this initiative and others we remain confident that we can further reduce our total underwriting expenses in 2024, as a percentage of our earned premiums and I look forward to sharing our progress with you on that front at our next earnings call. Throughout the year, we've also been actively returning capital to our shareholders, which has enhanced our earnings per share and return on equity metrics.