We're pleased that we continue to realize significant improvement from our investments in automation and various ongoing expense management initiatives.

Oct 30, 2025 / COO / receipt, needs a key / Dan Delamater, COO | earnings call 2025-10-30 | transcript e80ce8d9-0ba6-4301-bca9-5fe79bb0ce1f | chars 17057-17209 | segment 16

As we expect to reach the peak expense impact related to our multi-year systems modernization project in 2024, with approximately 1.3 points of expense ratio impact from that project this year, we expect to achieve meaningful, offsetting cost reductions throughout this year and beyond through intentional and targeted expense management efforts.

Apr 25, 2024 / receipt, needs a key / Dan Delamater, Chief Operating Officer | earnings call 2024-04-25 | transcript d0d46962-a0d6-483f-ab62-b255dac47029 | chars 19163-19509 | segment 19