So what's going on there? What do you, what do you see that's really driving some of that change in, in, uh, underwriting behavior?

Sure.

Yes.

Certainly a lot of headlines, um, a lot going on in the market.

The biggest news is QBE exiting the North American transactional liability market, and we've seen an additional four or five MGUs losing part of their capacity.

You know, my main message for today is everyone should take a deep breath.

Um, you know, what we are seeing is really an expected and frankly long overdue market recalibration.

So what advice do you give to clients in that regard when they're sitting with our placing teams and thinking about claim performance from the, the carrier community?