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Operator, you're interrupting this call.Operator I apologize for the disruption. Michael Lee In addition to achieving an impressive top line growth rate, we were able to maintain our underwriting discipline as demonstrated by a 94.9% combined ratio this quarter compared to 94.5% for the same period last year. Excluding losses from the storms, our combined ratio for the quarter was 93.1%. Finally, our return on equity was 9.9% this quarter compared to 9.4% during the same period last year. Excluding the storm losses, our return on equity was 11.7%. We project our ROE to increase gradually throughout the rest of the year, mainly driven by the lower combined ratio and higher investment income. Read the rest of this transcript for free on seekingalpha.com