Paul Brady is the SVP of Wildfire Insights and Mitigation at Green Shield Risk, and Gary Raphael is the SVP of Risk Engineering and Property Guardian Business Development.

It's probably safe to assume, I would imagine, that most of your audience, most of your members are finding that managing a household or protecting a property is only getting more challenging with evolving threats coming from all directions and certainly the natural environment and wildfire specifically are one I'm sure that more and more of your members are having to contend with.

And so it's I think just a really opportune time for us to be having this conversation.

In terms of my background, I am approximately four decades into my insurance and risk management career.

I've spent most of my time providing proactive guidance on a whole host of issues most pertaining to loss prevention and security.

When people ask me what I do for a living I often like to kid that I get paid to worry because it comes naturally to me.

So it's just a really nice fit.

Gary, what surprises you?