Weather, technology, war, political unrest, economic issues… so much change and turmoil. You could easily be mistaken in thinking we’re talking about 2021. In fact, we faced similar challenges in 1877, the year Indiana Farmers Insurance was founded. It’s hard to compare then vs. now, but no one can argue that 2021 was really a story about our dynamic and ever-changing world. And we rose to the challenge. In 2021, our insurance premium revenue grew 4. 7% to $275. 6M. The policyholder security fund reached $266. 8M, up 5. 1% over a record year in 2020, with total assets exceeding $554M. Our Commercial product was a big win this year, with nearly double-digit growth and more than $7M in underwriting gain. As our largest book of business, gains in Commercial lines helped offset weather-related losses in other business lines. We felt the significant impact of weather losses during 2021, driving our combined ratio to 99. 7%. The largest line of business impacted by weather was homeowners, with over $25M in weather-related losses for the year.