As the world has opened up, I was able to spend more time on the road in the last half of 2022 since the start of the pandemic. I'm more invigorated than ever to get out and meet face to face with our customers, our distribution partners, our employees, and our shareholders.

Feb 2, 2023 / CEO / receipt, needs a key / Michelle Halaf, CEO | earnings call 2023-02-02 | transcript c547bd41-3a32-4124-803d-652aa59c669a | chars 9405-9680 | segment 9

The simplified pillar of our strategy was evident in our exceptional expense management. In the quarter, we delivered a direct expense ratio of 11.4%, and we now expect to beat our 12.3% target ratio, not only for all of 2021, but for 2022 as well.

Aug 5, 2021 / CEO / receipt, needs a key / Michelle Halaf, CEO | earnings call 2021-08-05 | transcript 7f99f711-06d7-44b2-ba99-5591ce9220f1 | chars 7612-7860 | segment 7