Good you, James. morning, Thank everyone.
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XXX XXXX. million, higher of pretax Specifically, million our than with is XXXX XXX an which to compared income additional losses year is operating year year-to-date even last this net XX million
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growth we dime, written quality our one will new new although continue we because observation it the in to market last the for niches in confident relationships business. quarter, operation business I addition, such a my will a In And by business we the making mid-single-digits the to relationships businesses within competitive margin broker don't turn in mentioned those a strengthen especially quarter. and on remained I and where made premium in net market does. our continue remains I comments more am quarter as higher as quarters. competitive, I see next best two middle conclude see achieved similar always on third the importantly the P&C last that I our agent The market quarter, to
rate and pricing of increases. pricing there greater particular is awareness property decreases brokers quarters activity, expectation a insurance by XX general roughly that after experience elevated in agents with catastrophe However, and a coupled in recent well
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across say environments culture, institutionalizing enduring intensely to market to been our a underwriters will I awareness dynamics both regardless are because we on as the have industry. large various determine two at the capability the we focused inherent strengthening extend of part underwriting and CNA, success of these are Now,
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Our boundaries, at pricing it. us push won't rate at more expertise the market we need those tells times and allow we
we property, be for exposed at in to the supplement underwriting As the profits. ability take our grow to successful very starts market least our in more our improvement efforts turn even which market will boundaries place further to will cat push the
pricing advance. industry in in hard points well inflexion to Now predict are
consumed Upfront, You during learn and what know gain needed you increases certainty. more this as they you are will century each and we to only the we our having outcomes our more even outcomes rate push This predict and with with acuity strategy, push than Success marketplace is owning agility rather the to be Actual certainty. differentiation therefore is future. desired where make period tactics ability account subsequent overtime, effective. are. process
group was our segment, income the to for and XX million quarter. Moving operating life net
care morbidity exceed long-term needed for term continues to trends regulators. care rate to continuing For continued for fake long and favorable approval the expectations. to we actions are many book perform get as anticipated Overall,
We announce turn with of quarterly regular I'll are share. to our pleased it dividend per And that also over to $X.XX Craig.
