The improvement in underwriting expenses for the quarter was due primarily to our continued expense management efforts, including reduced personnel costs and other variable costs such as policyholder dividends.

Apr 30, 2026 / CFO / receipt, needs a key / Mike Pedraja, CFO | earnings call 2026-04-30 | transcript 0df00ef6-c63f-4cdc-8217-1ac7b1e55b63 | chars 6193-6403 | segment 6

The improvement in underwriting expenses for the fourth quarter was due primarily to continued expense management efforts, including reduced personnel costs and other variable costs, such as policyholder dividends and bad debt.

Feb 20, 2026 / CFO / receipt, needs a key / Mike Pedraja, CFO | earnings call 2026-02-20 | transcript e410ba02-a261-47f1-b717-db6fca0b5b1d | chars 6367-6594 | segment 6