Ryan Hanley

who I would have loved to compete against, but we were not.

We were significantly smaller than them.

But my point in saying all that is what most people would be shocked to know is how little and how broad and fuzzy the data is that most carriers make their pricing decisions on.

And that's not a knock on the carriers.

Honestly, until AI...

became what it is today, the option to actually pull in all the data wasn't even really there because of all these old pipes.

And there's a whole bunch of stories there, which we don't know, I don't want to bore the audience.

And my point is, with with some of the clients that I work with in that space, something that I have found eye opening as well as them is the ability to run multiple predictive models synchronously alongside each other.

So or asynchronously, sorry.

So so you could essentially say, okay, what if we tweak

What if we say 40 is the cutoff range for this top tier instead of 35?

What does that do?

What if we say people who only drive, whose commute is less than 15 miles instead of 20 miles, and you could literally, instead of having to deploy a team of actuaries who pull up a room full of chalkboards and start doing all these calculations...

you can play with all these different variables at one time and run out these scenarios years into the future.

And again, we're doing, as you said, predictive modeling, but think about it, guys.

Even in your smaller business, even like a bakery or a plumbing, a vertical, you can start to play with, hey,

What would it look like?

Here's what we're doing today.

What would it look like if I added two new estimators to my plumbing business, right?

If they were going after these guys and here, what could I predict?