Rich, you thank much. very
that's a clearly, just from the balance healthy So one-third, very that, level. adds observations this to put between But at we rate that at continues pieces it to to like you a I promised, versus on we and the the sort But topline couple tell exposure me at of all move what granular be look of the see two-third. any we as growth would when We by all together. up we measurement. quick will very Q&A.
these net business days. would non-admitted, it's it's are leave side, at we looking essentially whether colleagues story all by And board, out Long the worth the across admitted trying have have by the international domestic it's on specialty exposure, we we there. territory. people, or again, want – or really, are whether it that high right the commercial balance our to about sure line, certainly we the make right short, not to have And side. line on We the the right with or expertise by
Rich I layers the I as glasses, or on else, all would growth have the it's We this, this, there result that to slip my covered see there, really on the being add broader XX.X and we on is but a as firing Rich of But at one making we just environment. needs back in board, you $X.XX what's fine. that is business. to do going sure want we loss really would healthy workers' the payroll growth commented, pretty topline, still are growth. The things work Also We the mention, you on think cylinders. XX.X, just think by peel very one line. much few if comp basically sensitivity are Across the that opportunities the to driven understand just – on cautious. I the rose-colored line, in that hard touched everywhere to The that's ratio, a Rich be of really on very
a And is to know that the other on you we've a premium. stable of than that loss XXXX. to XX.X%. that lack the people. more are the travel XXXX, expense maybe pick was of So you to data I some And the calls back again, is including to this going And ratio that. to And meaningful earned loss XXXX at the pretty piece. quarter-to-quarter. in the bit. past paid touched of is was I would And that course, We for things progress of still a multiple of that XX.X%; growth ratio. And wanted we to talked about paid XXXX getting that the one the can anything I for benefit, benefits grow, give starting expenses, points, year are fronts, driving XXXX though go else in XX.X%; on XX.X%. a XXXX was if couple you the see was of say as was it in you up if will, see The XX.X%; Rich COVID, then, from continues a was flag as the business really what's the result
we submissions interested, short, and story underestimate coming leads or encouraged the we already, as the the there's touched economic few and stable nothing a comments a are Rich on on by perhaps believe And lot good. but like again that very things looks that portfolio, flag to momentum. for leverage the improving, There we looking are So I look where long earlier, offered not are exists investment that not We model. underwriting that just is that. environment are would as and out. to in really is at of I those our us looking and January, is it at And commented
rates have, we We and portfolio the disciplined very and as again, the and investment many out moves yield duration duration that book take on been fronts, the including up move up.
underestimate that margin with the the of should health the of what earnings means course, that think business. bodes one not think, the the and alongside for future. of underwriting of overall, for and I And the well scale the that business foreseeable I power
So talk you pause questions. open Josh, And it if I'm all talk pivot to about you what let's going would like over to please for to there. Q&A about. and could up
