So how is Nationwide using data and underwriting insight to respond to emerging risks?

John, we're using data to make underwriting more informed, targeted and responsive, but we're not really replacing underwriting judgment.

We're focused on sharper risk selection, providing a clear appetite that combines industry, geographic, market segment, and line of business insights to help our underwriters focus on the right risks.

We're leaning into better decision support and responsiveness to our wholesale partners.

We do that by bringing together policy information, claim information, financial third-party catastrophe and industry data through dashboards, really pulling those into underwriting workbenches and modern APIs.

We're also using data to provide an early response to emerging risks.

We actively study things like social inflation, AI, data centers, wildfire, translating all of those insights into guidance, giving underwriting requirements and product decisions.

So what does it take to be a long-term leader in the E&S market, David? And what do wholesale partners need most from carriers today?