While we certainly delivered excellent results in 2023, particularly when compared to our original guidance for the year, we don't currently expect that same magnitude of overachievement in 2024. While there is always the aspiration for outperformance, especially this early in the year, we would urge listeners caution about assuming that our guidance is overly conservative. It is not. For the Q1 of 2024, we expect in force premium at March 31 between $789,000,000 791,000,000 dollars Gross earned premium of between $183,000,000 $185,000,000 revenue between $111,000,000 $113,000,000 and adjusted EBITDA loss of between $43,000,000 $41,000,000 We also expect stock based compensation expense of approximately $15,000,000 in the quarter, capital expenditures of approximately $2,000,000 in the quarter and a weighted average share count of approximately 70,000,000 shares. Now for the full year of 2024, we expect in force premium at December 31 of between $938,000,000 $942,000,000 gross earned premium between $815,000,000 $510,000,000 and an adjusted EBITDA loss between $160,000,000 $155,000,000 Stock based compensation expense for the full year, we estimate to be approximately $60,000,000 capital expenditures approximately $10,000,000 and a weighted average share count for the full year of approximately 71,000,000 shares.