We expect that additional growth and marketing efficiencies will continue to offset the impact of these non renewals. For the Q4 of 2024, we expect in force premium at December 31 of between $940,000,000 $944,000,000 gross earned premium of $222,000,000 to $225,000,000 revenue of $144,000,000 to $146,000,000 and adjusted EBITDA loss of between $29,000,000 $25,000,000 stock based compensation expense of approximately $16,000,000 capital expenditures of approximately $3,000,000 and a weighted average share count for the quarter of approximately 72,000,000 shares. And for the full year 2024, we expect again in force premium at the end of the year of $9.40 to $9.44 gross earned premium of between $8.23 $826,000,000 revenue of between $522,000,000 $524,000,000 adjusted EBITDA loss between $155,000,000 $151,000,000 stock based compensation expense of approximately $64,000,000 capital expenditures of approximately $10,000,000 and a weighted average share count of approximately 71,000,000 shares for the full year. And with that, I would like to hand things back over to Shai to answer some questions from our retail investors. Thanks, Tim.