So on the personal line side, we sell other people's home company when it doesn't necessarily fit where we're going to go. On the commercial line side, we also use our products as well as others for small business, workers' comp, GL, et cetera. So it really is about that. following the customer, and the more we're able to offer them, even with the Progressive Advantage Agency, where we work with a lot of different partners ranging from life insurance to travel insurance to jewelry insurance, the more that the customers have and the more that we've earned their trust, the longer they stay.

Feb 28, 2023 / receipt, needs a key / Tricia, other | earnings call 2023-02-28 | transcript a640188c-be66-4a60-b8bc-b4235fe68ea9 | chars 62338-62933 | segment 63

So for years and years, we've built up a CAT team, and it's now commensurate to the size that we are. So when a CAT happens, really the incremental LAE on that part is travel costs, hotel costs, et cetera.

Nov 2, 2022 / receipt, needs a key / Tricia Griffith, CEO | earnings call 2022-11-02 | transcript d662cc92-847a-4820-ae0f-cb827ec3d754 | chars 9398-9603 | segment 9

But that, again, with the exception of some travel and some hotels and stuff, we already have that baked in because we already have a certain number of claims people on our books.

Nov 2, 2022 / receipt, needs a key / Tricia, other | earnings call 2022-11-02 | transcript d662cc92-847a-4820-ae0f-cb827ec3d754 | chars 46844-47023 | segment 48

What I would say, early results from February from vehicle miles traveled, they are going back to what we saw before January. So we could see frequency go up a little bit.

Mar 1, 2022 / receipt, needs a key / Tricia, other | earnings call 2022-03-01 | transcript 005a0ad3-80a6-4a3e-996b-3b2a37a90bec | chars 42495-42666 | segment 43