The disclaimer on all investments is that past results are not predictive of future outcomes. The problem with that statement is that it's the past that we use to predict the future, and the past is the only indicator of what the future could be. Chris Burand is going to bring his deep understanding of insurance markets, companies, and consumers to help us get an idea of what's ahead for 2026 in the insurance landscape. He will open our eyes to the potential pitfalls of reduced competition, carrier concentration, and ways carriers are stretching their capacity.