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Music so good morning immediately following one-hour presentation the audience remembers only two major points and the next day they only remember one so I'm going to make it very easy for you to remember all the key takeaways from this morning's presentation of course I'll have all the underlying details over the next hour all you have to do is remember the word so the word is delivering for workers compensation direct written premium was flat while net written premium was sharply employment and wage growth led to an increase in payroll but that was completely offset by lost cost decreases there was a very low and historic combined ratio but investment gains slipped a bit the gain from operations was significant and Reserve deficiencies completely evaporated and finally it appears that economic factors contributed to a milder decrease in frequency while indemnity and medical severity changes remains moderate so it's the simplest mnemonic ever conceived right okay so we like to tee thi


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