What were the main findings of that?

I guess our survey looked at pricing transformation in insurance, and really trying to understand what is holding organizations back.

Why are they not doing more on the pricing transformation side? And I guess one of the clearest findings was that insurers know pricing needs to change, with over 70% saying they had been modernized or in the process of transitioning to a modern pricing system.

And that change is being driven by things like competition from portfolio performance, and now more recently from AI.

There's this pressure to move pricing systems onto a modern framework.

And I guess companies will always rely heavily on spreadsheets and manual processes, and that means that is a barrier to that digitalization.

I guess the key thing that the survey also highlighted was the major difference between actuaries and underwriters.

Are we on the threshold of a sort of job Armageddon and jobs are going to be lost all over the place, and there's no question of any graduate ever being recruited again? Or do you see the world a bit differently?