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Aladade's Policy Changes to Drive Down Costs
The biggest change was what's the counterfactual and the initial approach to this base. And we still see this approach on the majority of our commercial book of business is, well, let's take last year's costs. Well, the obvious problem with that is that if you actually succeed in driving down costs, then you're driving down your own benchmarks. You know, you just can't just can't build a business where you year after year after year it's not enough to be fastest you have to be better than yourself next year. That's called, we call that the ratchet.