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@Luca On the Chubb call yesterday Evan Greenberg sounded pretty confident that 2023 would be another solid year in terms of top line growth (high single digit). This suggests to me that that the hard market is slowing - but we are still in a hard market. What comes next? Looking at history i think it is normal after the hard market to get a couple of sideway years (not hard or soft). And then a soft market. No one really knows… so we take it one quarter at a time.