In everything they do, UPC Insurance strives to Keep the Promise® to policyholders while being here today and here tomorrow for all our stakeholders. They are committed to financial stability and long-term solvency. They use a combination of their own capital and reinsurance capital to provide assurance that policyholder claims can be paid in a timely manner after a natural catastrophe. For UPC, this is not a theoretical exercise. During their history, they have paid nearly $2 billion in total claims from 21 separate hurricanes and tropical storms, and thousands of routine events. The combination of a strong capital base, responsive claims operations, and a consistently strong group of reinsurance partners has enabled UPC to meet these obligations in a timely manner over and over again. It is the core competency and principle of UPC Insurance.