Simply put: 2021 was a highly successful year for Peace Hills. Gross Written Premiums grew by 13.9% from $291M in 2020 to $332M in 2021, and Policies in Force grew by 10.3%. The main contributors to this were found in the Commercial Auto, Commercial Property and Personal Auto business lines, which each saw a 12.8%, 27.9% and 9.9% increase in premiums respectively. Our Net Loss Ratio boasted an improvement from 54.3% in 2020 to 48.8% for 2021, with our Gross Loss Ratio finishing at 47.4%. Improvements in auto loss ratios can be, in part, attributed to many people across Canada continuing to work from home during the pandemic. Despite that, we continued to meet or outperform industry average loss ratios in most areas due to strong underwriting and claims handling.