This included the re-underwriting of our Lloyd's portfolio over the last 18 months. It also involved building our talent base, increasingly specializing our target market focus in commercial, as we had historically done in specialty, sharpening our expense management and building an optimal reinsurance program to allow us to be increasingly opportunistic in the marketplace while reducing volatility.

Aug 2, 2021 / CEO / receipt, needs a key / Dino Robusto, CEO | earnings call 2021-08-02 | transcript 8a94c5d4-54fd-419f-ba0c-e12a1b8183a9 | chars 4350-4752 | segment 4

Now, we obviously did have less travel and entertainment expenses, but we also made additional investments in technology as well as operations staff.

Aug 3, 2020 / CEO / receipt, needs a key / Dino Robusto, CEO | earnings call 2020-08-03 | transcript 95d12137-f65c-420a-b7a9-92b392ea02cc | chars 4944-5093 | segment 5