2026 Adjusted EBITDA Guidance -- Maintained at a range of $51 million to $47 million loss, with an implied positive $8 million in the fourth quarter. Management expects in-force premium growth to outpace growth spend starting in 2027, which they identified as a factor for achieving future operating leverage. Our letter to shareholders also includes information about our key performance indicators, including number of customers, in-force premium, premium per customer, annual dollar retention, gross earned premium, gross loss ratio, gross loss ratio ex CAT, trailing 12-month loss ratio and net loss ratio and a definition of each metric, why each is useful to investors and how we use each to monitor and manage our business. Gross profit increased 76% to $113 million, while adjusted gross profit increased 74% to $114 million for a gross margin and an adjusted gross margin of 38% and 39%, respectively. And from our view, that is the primary driver of the modest increase in our pet loss ratio, both sequentially and year-over-year.