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If we don't have losses like we had in Hurricane E last year,

I think we're going to start to see some flattening.

Like I think next year, this is my...

This is Verizon's prediction, okay?

That's all this says.

But I think next year you're going to see a lot of flat renewals.

I don't know.

I'm not optimistic enough to say decreases,

but I think you're going to have much more modest increases

and even some flat renewals.

What's up everybody?

This is Josh Ferrari Host of the Creative Capital Podcast.

And today's episode is going to be different

than any other episode you've ever done.

Not from some massive differentiation

in the way that I ask questions

or the information that's going to be given today,

...