<p><strong>Speaker 0</strong>: <span>well, first of all, Mark, it's great to be at fever. It's a fantastic event we're exhibiting today and our stands really busy. We're an M G. Our focus is on regional brokers across the country. We've got four branch offices in the city Birmingham, Manchester and Bournemouth, which we really try to help. Local brokers with complex problems and the complex</span></p> <p><strong>Speaker 0</strong>: <span>problems they're talking to us about are ensured that having their risks are changing with the changing world that we see they've got. You know there's problems they can't solve by putting information into a system they need to speak to an expert and my underwriting team deliver that.</span></p> <p><strong>Speaker 0</strong>: <span>There's always challenges for MS. We walk the tight rope between keeping capacity happy and our distribution, our brokers happy. So capacity is always a challenge for an M, and it's important. It's really important that we work very closely with our capacity partners. At my commercial, we've been very fortunate in the fact that we've been able to grow our capacity in the last two or three years, and that's really, you know, broadened our offer out quite considerably,</span></p> <p><strong>Speaker 0</strong>: <span>being focused on business that we're good at and business that we are experts in. So really being specialist is a word that's used a lot at the moment. But we've really specialised in areas such as the Bieber Flood scheme, which we do difficult products, liability risks which we are complete experts at. And that's been a really good sector for growth, particularly in the last 18 months where brokers need to speak to someone that they know what they're doing.</span></p> <p><strong>Speaker 0</strong>: <span>Yes, definitely. Technology is really important. It helps us deliver our final products. It gives us information on the risks we're writing. We've invested a lot of money in data and data is a big buzzword around the market at the moment and everyone's talking about it. I think what we've done differently is we've actually</span></p> <p><strong>Speaker 0</strong>: <span>harnessed it and used it to help shape our underwriting decisions. But also we use that in presenting to the market to get capacity and get schemes, and it's evidencing, you know, they ask you to prove what you're doing. We're able to do that with the data that we're able to produce from our platform.</span></p> <p><strong>Speaker 0</strong>: <span>So the Bieber flood scheme, we've been running for six years now. It's a great scheme to be involved with, and it's great to be working with Bieber. It's a very niche area. I think it's an evolving scheme because, you know, our climate is changing. You know the landscape is changing, so it's a risk that's very difficult to model. It's a very it's a.</span></p> <p><strong>Speaker 0</strong>: <span>It's a risk that's very difficult to make underwriting profit in, but by using technology in particular, and the large data sets that we do have enables my team to make you know good old fashioned underwriting decisions, but utilising the vast amount of information, particularly on pricing data that we're we're lucky to have.</span></p> <p><strong>Speaker 0</strong>: <span>So in particular I mean, we're very good at SME a bit like a lot of the market are good at SME, but particular areas, we really focus on our risks that have got difficult product liability exposures,</span></p> <p><strong>Speaker 0</strong>: <span>items being exported to the states, or they might have a military application or something to do with the medical, you know, from the medical industry. So we like. We like that and not everyone else likes that business, particularly. We focus on quite complex property risks. The markets condensed quite a lot in the last couple of years with the the hardening of the market, and we've been able to solve some quite difficult problems for our brokers in that area of business.</span></p>