Net income increased by $59.3 million to $162.1 million in 2025, up 57.7% from $102.8 million in 2024. Diluted earnings per share (EPS) rose to $3.90 in 2025 from $2.48 in 2024, a 57.3% increase. Total revenues increased by 6.7% to $1,701.4 million in 2025 from $1,595.2 million in 2024. Net premiums and contract charges earned increased by 7.2% to $1,228.4 million. The Property & Casualty segment's net income increased 128.9% to $112.4 million, driven by improved underlying auto and property loss ratios and lower catastrophe losses. The Life & Retirement segment's net income increased 0.9% to $56.8 million, with an annualized net interest spread of 184 basis points (up from 172 bps in 2024). The Supplemental & Group Benefits segment's net income decreased 25.5% to $45.0 million, despite higher premiums earned, due to a higher benefits ratio in Group Benefits and increased operating expenses. Operating expenses increased $51.1 million, reflecting investments in technology, marketing, and distribution, as well as costs related to pension plan termination and foundation donations. Catastrophe losses decreased to $61.7 million in 2025 from $94.9 million in 2024. Book value per share increased 15.7% to $36.47. Net income return on equity (last twelve months) improved to 11.7% from 8.3%.