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Including the strengthening impact, our accident year loss and loss adjustment expense ratios on a combined basis for the years 2013 through 2017 were 95.5%, 91.3%, 76.2%, 64.7% and 59.5% respectively. Results with and without the impact related to Michigan, are also broken out further on this slide. We are also reiterating our previous guidance which anticipates the full year 2018 loss ratio to be in the range of 60% to 62%.Slide 13 provides both annual and quarterly trend information in terms of our combined ratio and its components.

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