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It's important nowadays for us as a business, particularly, Crawford is involved in global risk management not only in the TPA front but in loss, adjusting and other specialty parts of the business as well

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to utilise a combination of technology and people,

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I think all too often we find ourselves at a time where technology is at the forefront of where it's been for a long time and it's seen as the Saviour of a lot of some of the issues that the industry has faced. I think we have to be conscious that we have to have the right people in place to use the correct technology to deliver the best outcomes for customers. So it's essential. But it needs to be paired with the correct people. And that's where Crawford likes to position itself of its customers and its clients.

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I think it's a multitude of factors. There's a lot of focus on technology as being the Saviour for the claims industry in particular,

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but what we need to focus on is making sure that the customer is always kept at the heart of what we do on a daily basis.

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Efficiency and cost saving is obviously at the forefront of everyone's mind, particularly with large Corporates, self insured captives, et cetera.

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And technology is a great aid in bringing down those particular costs. But we have to use it in an effective and in a safe manner, particularly for customers, and protecting perhaps vulnerable customers as well. So I think using technology in the correct way is probably a trend that is being focused on by a lot of a lot of our competitors as well as ourselves. So so that's That's probably the most prominent factor

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partnership. It's It's the key word for us, particularly in Crawford TP A.

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We don't we don't view our clients as clients. We view them as partners. We invest our time, our money, our resource and developing long term relationships with those clients. We want to treat their business as we do our own, making sure that we produce what they would like to produce for their own customer as well. So collaboration and partnership is probably the key message we'd like to deliver there.

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Yeah, at Crawford, we're lucky enough to have the facilities and the resource to develop in house, so a lot of our technologies are in house built and owned, which is crucial for us. It allows us to maintain quality, improve

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efficiency and provide consistency to the customer as well. So we are always open to collaborating, and we do collaborate with some external partners. But we pride ourselves in our ability to develop from in house and based on the relationships that we have with existing customers.

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It's a It's a again, this go back to the word where I was talking about partnership. We're there to not hold in the hands of our customers because they're experienced clients. They understand what they need their risk portfolio. They understand what they need for that portfolio to perform. We're there just to make sure that we're guarding them

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in the correct manner. So there's a multitude of ways in which we do that. We have fantastic on boarding and implementation teams. So from day one before an account goes live, we have several teams, particularly within TP, that will walk through a planned infrastructure of implementation with a client so that that client knows exactly what they're going to expect from the day of first claims,

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driving down total cost of risk. I've had several meetings this morning already where it's the key point, the key focus area for a lot of corporate clients in particular

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driving down the total cost of risk. But getting to understand exactly what the drivers are behind those particular factors is what is important for us as a claims business and risk management function if you like. So we need to make sure that we understand the needs of those particular clients and those customers and then utilise the systems and the technology and the people that Crawford as a business, have globally to assist in driving down that total cost of risk.