Tom Wilson: Mario will give you some specifics. I would say that the biggest impact — so first, we’re starting to grow in the Allstate brand. Mario has got a number of states where he’s starting to roll out, transform growth in a more aggressive way to capture the market share growth. So we comfortable there. The independent Asian business, we think, will grow through continued expansion of the nonstandard and the Custom 360 Mario talked about, I would say that the biggest driver. The biggest thing we’re unclear on right now is what happens in New York, New Jersey and California. That will be the biggest impact on policies in force. May be different than the growth measure you’re talking about but certainly, we need to get properly priced in those states. Or else will get smaller in those states. And given that they’re a large percentage for our book of business, it will impact overall policy. Mario thing you would add to that?
Mario Rizzo: Yes. The only thing I’d add as we look ahead is — I think it’s important to recognize that we manage the business on a local level. That means state by state, market by market, risk segment by risk segment; that’s been the approach we’ve taken to improve profitability and we’re taking that same approach as we look forward in terms of growth. And I think it’s — where we’re at is really 2 groupings of states emerging. Tom talked about the 3 that we’ve just got to get more rate and get more profitable. And before we can even begin to think about growing and investing in growth because it just economically doesn’t make sense for us and that’s California, New York, New Jersey. The rest of the states that if you divide them, there’s a number of states that are already at target levels of profitability and we’re beginning to do things like make local marketing investments, leverage a lot of the capabilities we’ve been building with transformative growth, the momentum we’ve got in the exclusive agent channel, the improvements we’ve made in direct and the capabilities we’ve built there and what we’re building in the independent agent channels with things like Custom 360 and nonstandard auto.
So we feel like as a system we are much more effectively positioned to grow when the time is right for us to grow. And as we look out into 2024, we think more states will fall into that ready-to-grow category in terms of target levels of profitability. And we look forward to continuing to invest in growth in those states and leverage the capabilities we’ve been building with transformative growth.
Tom Wilson: So let me close with 4 points which summarize kind of the conversation we had. What’s going to drive shareholder back profitability increases, strategic capital allocation great investment returns and then transform growth long-term sustainable growth. We think those 4 things combined make this a great opportunity. Thank you very much. We’ll see you next quarter.
Operator: Thank you, ladies and gentlemen, for your participation in today’s conference. This does conclude the program. You may now disconnect. Good day.
