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And what's been the biggest challenge for the insurance industry

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over the last five or 10 years. I think

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it's understanding, um, you know, these unpredictable

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risks of whether it was the pandemic, um,

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understanding what could happen, you know, with potential

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war break out. But also, you know,

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climate change, as I said before, having that

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type of hurricane activity, we've had 100 natural disasters

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reported through nine months of, of this year.

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That, that just hasn't happened in the past.