Thank-you, folks, to take my personal issues today. Rich, browse, you have been clear about the opportunity, generally, regarding tech. Once we think about technology, In my opinion you will find probably five towns otherwise five possibilities: it's equipment, it's customers experience, it's back place of work, and it's really, potentially, underwriting, and you will including worth there. I'm interested when you consider those individuals four things or those individuals four points, where you understand the greatest possible opportunity to improve production? And are usually you viewing punishment away from tech and other people operating crappy conclusion or bad outcomes to the these activities?

You're inside the playing cards having most heavy spenders in which, you realize, the fresh new credit constantly really works is actually an incredibly important race cry inside the -- near the top of industry

Very, hello, Rick, and you will good evening. You are aware, all areas that you these are simply possibility components. In my opinion that the listing is also even more expansive than you may have, but I certainly agree with the four as the I'm thinking about affairs, customer experience, right back office, and you may underwriting. And you can, you know, I -- i would ike to simply form of consider a few of the genuine possibility areas for us.

And you can notably, what i have to state was -- exactly what I'm going to explore here really stands on the shoulders in our modern tech stack and you may we are attempting to create breakthrough potential and you can possibilities.