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whether we like it or not that insurance is so not good is a fact today whether it is a success satisfactory one clearly not question is how do we make it a product that is appealing and then the question is after we've had that disruption going on and for a while creates a bit of vertical questioning of the value chain which which we are going through I think we're going to go through that for some time still and I will bring some opportunities thing is going to bring the question of how to integrate insurance products among a broader proposition that is bought not sold and that's perhaps where the the lovers of insurance are going to realize that actually insurance value is better when it's packaged into something else that is not insurance into service for example and that for me is a key trend of our business is over time it's gonna be a long time is because insurance could disappear as such into something that is either very simple or even not even visible to the customer and but they buy a service they don't buy a product we fail to give it the best access to the strongest possible juries with senior interest decision-makers in certain sites is a must-do conference I think for the network that is built here good morning and welcome to a I and dynamic pricing and the future of underwriting you've been hearing a lot about AI last day and will do today and generally it's a topic that is getting a lot of coverage in the industry so our challenge for you today is to make sure this is interesting for you and you have something to take away from the end of it and I think with a with a panel that has made up of three people from large insurance and reinsurance organizations and two people from startups anymore think scale up is the word today if we don't have a little bit of back and forth shall we say then I think we'll all be disappointed so hoping to make it interesting and for you to take something away from this I think they believe there are questions coming on the slide out I got about three hours worth of discussions here so I think I have to five I'm gonna have to pose questions and I have my after you slider myself but please do free for your questions up on stage and will endeavor to add those into the discussion so anyway I'm gonna kick off ask each of the panelists to give a brief introduction and then we'll start digging into the topic so go first Thanks I'm Richard I'm the CEO so taurah we hope the commercial insurance industry target select and price for excusing billions of external data points and artificial intelligence at the core why are our partners work with us is to transform their underwriting processes...