Richard Dziadzio: And just another addition on Housing. We will have something like $40 million of PYD going into next year. So obviously, can’t count on that in the future years. So that’s something we’re going to need to overcome. And as Keith said, it’s just a fantastic year we’re having in Housing. And kind of the way I look at it, an we look at it inside is we look at it a multiyear journey. So really looking at — last year was a bit of a tougher year. We turned the corner really quickly in terms of the uniqueness of our business, and we’ve talked about the inflation guard and the rates and the expense leverage that we’re getting. So we are expecting it to be continued rate but at a slower pace. But again, it can — it’s not going to be like this year, it’s going to be slower given all the elements that Keith and I have mentioned.
Tommy McJoynt-Griffith: Makes sense. And then, Richard, can you talk a little bit about the new money yields that you guys are getting, the duration of your investment portfolio and just how much of the tailwinds of sort of reinvesting over time could be? And then also how that allocates between potential upside for Connected Living versus Auto versus Housing, just kind of how that investment income fits within each of those?
Richard Dziadzio: Yes. Thanks, Tommy. And in fact, yields and interest rates have been a nice tailwind for us. It’s helping us offset some of the inflationary issues that we’ve talked about, particularly in Auto, for example. So if you look at year-to-year, our investment income is up about 50% or $40 million. So a really nice number coming through. I would say, in answer to your question, that’s probably think about it being maybe 1/3 Housing, 2/3 Lifestyle and in Lifestyle, the bigger component of it is in Auto. What you’re seeing in this quarter is really the result of 2 things, and I’ve talked about it in past earnings calls, it’s really — it’s coming from fixed income and fixed income yields. Our assets are up a little bit, but yields are up as that — as those fixed income maturities roll over and we get more investment income on those, but also cash yields are really high, as you know.
Who knows what’s going to — what the Fed is going to do next year. But for the moment, we’re getting nice — real high returns off the cash that we’re holding. So nice sort of tailwinds to us, and that should continue as long as rates and so forth hold up. But if rates start coming down, I would say inflation is probably coming down. So we’ll get some offset there, hopefully, as well.
Operator: [Operator Instructions]. Our last question comes from the line of Grace Carter of Bank of America.
Grace Carter: I guess back to the expectations for housing next year. I was wondering if we could maybe talk a little bit about the components of the growth that’s expected? I mean even excluding the reserve development this quarter, the underlying loss ratio looks pretty good. And just the extent to which maybe the improvement in the loss ratio and the expense ratio [indiscernible] is sustainable or the extent to which maybe they could improve even further just as the recent pricing actions continue to earn through the book. And I guess, just kind of the expectations for the top line, given that presumably maybe some of the benefits from the inflation adjustment and things like that start to decelerate a bit next year?
