While we have been successful in writing a select number of larger operators generally incorporating in vehicle technology as well as customized insurance programs as a competitive advantage, our focus remains on owner operators and small fleet.On Slide 6, we break down our gross premiums written by geography and state with New York remaining the largest state in which Atlas writes as well as the largest addressable market in our niche overall. We continue to evaluate each market to identify potential environmental and competitive changes and will shrink or expand in any given area with the objective of optimizing underwriting margins. There is an update on Michigan claims continue to run off as expected.

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