I wanna take this from two per- different perspective, what agentic AI means to those that work in the insurance industry, and agentic AI as to those like you and me who utilize insurance, and what it will be effective of every individual who's a customer of insurance.

Yeah.

So in, in the insurance space, take underwriting, which is probably the single most critical function of in, uh, in, in the insurance space.

In the past, y- Lou, you fill out an application, and that application would go to an underwriter.

And over time, what you- we've seen is automation in that, right? Like, do we actually need a human to check a box? In a lot of cases, we don't.

And so there's been this streamlining of activity, and the analytics around the insurance space has advanced so far, Lou, that, um, I call it the solve science, right? Like, underwriting is solved, right? Uh, there's still situations where a human has to sort of come in, but auto insurance, for instance, it's such a commodity, and the decision-making is pretty straightforward around the questions you need to ask, the answers you need to get, and how to evaluate them in order to accept that risk and price that risk, that almost the entire s- the entire A to Z step can be fully automated with a computer.

So from the insurance standpoint, there is, um, uncertainty, especially in the workforce around, like, is AI going to take over my role? Um, at the, in the bigger picture, yes.

[laughs]