Insurance is a team sport, and I have no doubt that both on a company and an industry level, it was working as a team that got us through 2020. The COVID-19 pandemic has forced us to focus on being nimble and on finding new ways of collaborating and supporting each other. This is true across the insurance industry, but especially true of any firms going through a turn-around period. Difficult circumstances, like those we experienced in 2020, can muddy the waters, particularly when you're looking to exit businesses that don't fit your company's strategy or grow successful parts of your portfolio.