Jeff, turning to you, how has the current rapidly evolving tariff landscape complicated actuarial analyses in the personal auto insurance space?

I think there are a few areas I'd like to kinda highlight here.

One, around the fluctuating tariffs and the impact that they've had on the imported auto parts and vehicles have really caused some significant volatility in, in manufacturing costs and vehicle prices.

You can see just how much some of those tariffs have varied from, you know, Canada to Mexico, China, and just how significantly those have fluctuated as well.

You saw, you know, maybe as low as 10% go up to 25, 40%.

So just that volatility really in manufacturing costs is, is gonna have a significant impact.

Second, I'd call out the supply chain disruptions.

So how should actuaries approach the use then of historical data in a tariff-influenced environment?Where past trends may not be applicable.