“So nothing macro here that we expect to trend over time, and therefore, we think all of these are going to effectively normalize in the outer quarters.”

In context

“to be the case in July. So we don't see any macro impacts here. Where you've seen, if you will, the pressure, and it is a bit of I would say, part of the normal fluctuation in some of the other products in the nonmedical health ratio. So I think accident, hospital, critical illness. When you look at the claims pattern here, we did experience a number of fairly small increases across each of these products, each of which was in line with our normal range that we typically see. What's different about this quarter is normally our results benefits from diversification across these products called them puts and takes that we see each quarter. What is unusual here is that these products all moved in one direction for us. And again, very different set of products, very different sort of drivers. So nothing macro here that we expect to trend over time, and therefore, we think all of these are going to effectively normalize in the outer quarters. Suneet Laxman L. Kamath: Okay. That's very helpful. And then I guess on Chariot Re, and sidecars in general, we've seen a number of companies announce these things, but we haven't really seen any major deals with sort of third-party liabilities. So just wondering, I think, Michel, in your prepared remarks, you said more to come. Can you just give us a sense of what your outlook is there maybe over the next couple of quarters? And if anything kind of needs to happen in order to accelerate this growth opportunity. Michel Abbas Khalaf: Suneet, thanks for the question. Yes. I mean as we had mentioned, really sort of Chariot Re, we see it as a vehicle to enable our growth basically, especially sort of as we see growth opportunities beyond our capital generation capabilities. If that were to ha”