Tom Gayner: Thank you, Jeremy. To conclude, in 2024, our company exceeded our return targets with strong returns from our public equity portfolio, continued growth in ventures, and notable performance in many areas of our insurance business, all while staying true to our values and striving for excellence. Over the past two years, Markel Group has made significant strides. As we continue to build on this progress, we are committed to enhancing our insurance operating performance and driving profitable growth across our family of businesses. We're excited for 2025 and the work ahead. To continue winning for shareholders, customers, and associates. With that, we will open up for questions and answers. Mike Heaton, the COO of Markel Group, will also join me, Jeremy, and Brian in the room to take your questions. Operator?