Our business expenses were lower from continued expense management controls, including lower agency commissions and employee productivity gains, in addition to lower executive compensation accruals.

Oct 28, 2021 / CEO / receipt, needs a key / Steve Dunahee, CEO | earnings call 2021-10-28 | transcript cce36c46-ff87-4016-b031-dc6e3e4e399c | chars 2056-2254 | segment 2