Okay. Well, great. Good morning, everybody, and welcome to the second day of Goldman Sachs Financial Services Conference. I'm Alex Blostein, and I lead the capital markets research here at the firm.

Third, how is Allstate addressing artificial intelligence and how will we create additional shareholder value. So I'm going to kind of go over the 3 tops on those. We can dig into any of those that ...

Bond insurance is a safety net that guarantees the payment of principal and interest on a bond if the issuer defaults. If the company or government entity can’t repay the debt as promised, the bond ...

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