ftypavifavifmif1miafmeta!hdlrpictpitmFilocD@06PRDbiinfinfeav01infeav01*infemimeapplication/rdf+xmliprpipcocolrnclx av1Cispepixi8auxCurn:mpeg:mpegB:cicp:systems:auxiliary:alpha av1C ispepixiipma(irefauxlcdscUDmdat &/J2#@r.>/ɧm0{BJTAGK0 &/D2 ]pN /ځ*g~qdCX5Gҿ [{c7ߎZ\lf}]08VŧR 27R=U+NE`L@Ե `6 *k׸/86%"Rܭrҵ?AJνk+ D] m0%|N=aCc(RH⳸/K>]$q⃖~C‹ )x=K8"ݚc#&.4`_Z4#Y-V*ݲƌ4ey >b߂ȰA*ν4T%AB_$t23[LcW'541dFqB P)DߋNȹQfkc"8`fRo8X!#S٩4]a -OQ񥼒k4ƳPfTiy* Q% ๋@&d̢%Xy5ݖX\4_s#c*A[G'gT}m`\]k׺ԧuM$ع@B 2:8#q ~7rgT]'uķk%ɱ W8…(\mU&*Ԑ{ _rN^)qZQۙ@>hyk ̏"3qr+JgM|V5<׈{(x~>^[#w1.bnU \4І,DӝJح-}q2/H:ްv'\\oZrS 64X$U!J=n6/*;!kE@hs/O ~-QҰg#zτE6?7DIiv.x!}U574KVWDZq8n/}S}.(y jnϭ[Joi*-6UKC1ΞVЗgd=D]'𭞘J 9I.?uR_[*1ڞ^ Vcx_g ꮠ.]d}'ĒL.tکhuuFQal'A6IR R%eWH?;iCDh,Zԫ@^j5v¢I;fa>o~ʼmtCO WmU0'z;TnK~ӊqK};fߟ9sT5CSabo+;chbRvDŽCĈ8C@AUD^ʵMFt@ӊTg8I3 0@UoG/)Xce0/2C6WP=Ocl,H. X}?RZRd!0KUT#[qƸx0ceqZ"s҉"~,-XtOkBx/HXՙe%\=X"CTʊTޑ $F;ř0ug_JGbɗT/?}*&kh6ҹY;85NKr)}δj/d79 |!ˣIK:Iu[+SZ6`wF~.|Zy*9w('4ʲ|!k`j72# \-q|>)45\{h. 3Vy"fc%'g-N:5@o+Y>k%PSmNh ._DtOP`w[_\J ;cC!oakMRӢ_U Q^% $`-hQc^ 1%g${;lb F.pG>)~q[Y*$KD .6(d~3Pi(`q;yc_ 0 0V2B~tS!; tGL ֳ|:Z+uwt!3{cOvC;)k5!Ýl&rHE٢f`Ija4%8~|=,R}B\j@?C;l9XM,`fuml)ۄjDX1Wv&䉐¿~A}e*'v1Vl$O5] \ ıFWcQB^k_cr,bPB,c$+Wqd,M 7WX 8S539dmI%nP99ݱRa+qнI bf[qJ x<>YGQW 'RN_#kccu#ÓPx:#D c/fԕ/7pd(IKgkǧ$jIسQfk]}WFj3[Au`tEfmŇ]|lnrM~$wOsFdN a’ӨLtb kh஀5uM)*9>?P,AN2:]LND-ZYޤЇP]&2k*ll+V/Kc%5Izu:׼ߕۼgжV;HrGr1ᒡJѝ.3gGM+ ~KJMX cxV0?oXv- %$p'3V0OUTZYxz=!`FY ̵0@پA= x$\J}{+^w՝ J:j=سž^&h] %8d /}GBWE/9Q8k1D/`4[/8(.s.އk+궋Zr BFĒr;{ YzUM[]jga>4m rx- HP= T_5|yj C;K}B#pR?* I+jn%oǏrĿ ±d4&do.x}{vZ73{CL6vn FjdxoAK|_No")].u~e#UkA,Bt.6`&vZ57$!kBz#g@oB>kPVc~BDspT Z:^LZ1AjqP< timVSTFk|SeOYKнEnPnG4?7Q뵑2W}2vGn(.[dwՎ@N5ywu0H'ZDn|zzHx"'-D7Uưg {7x?gQ-RwϱzcZx`(tH]H0<0'j}:&||YJ"::<;g°2CaSXf3'4#JgI@T!e0#߆ڳV/fu)"MyQe>yc.${d۔̳?XШ|Yƅh/w ,Mi=T(RLQQ3{.W$hG^?`lHj"P܇coZ6訶e3&>ظr 0s-3A;mcy6=-5s'{YURHO{IIߨ( iX/.7 3&*LfdmJGt 7M^8 JgQs]x.PfȹPVh7_:X=$pP (;1 i>V ~;<Y,jQ>Rnڠ\ (Ao. OtKP{ ?y4 ෞdyC<WS7UMjI)EO0[;hxU污i/Y;"ݽBhhٍҼ6:zد\- mE/qz eU9#8.x;ǺkåF/ 4_;|#X>P"=wWAUh6Q0^dz=c bCS9^_B@#u5USX\ukQ=fq(r5~玐 (}R-`"6zr'lhz]ke*vB=ᅭ\˧`t`|I3Ioz[%ƊuzDŽX/=ˠ)p!y_ ;'#ťsJ ]t4L{B<rФ+BIĨ0;q#[?mA~ ) 51D4뢩` Wlc.֍[/Uمf02\FPv yܩ[_#\Y[n# _D`qD>lxM/l|X-i]oOG^~#'r'uEAγ6s)v0ss۶CSƣl3!+}gR &&?qqӂ97.dκz5˅J'ًRapJT P!jJ 5Ҏ-eH{?iW6t/$"@8fH4snOr3;@/BG=iuꈠ%tYI_ .:ZB=r#pEO|5^i5ٰA]q*ŦpE^Q% _\yHfdfƶ7Ŧx,QÃ͖ 2k+OieU} U.;K7@~`퓜g;L dNin4,w>G-j\wb.4ަUA$gV>k셽l`v.B3]>ڃ:~"ʦ[ VAɀ6" ւG1וGThsU!G7]M|mfp `:ڌ?UoDR\Ic$wa3C :=FO0ìHBʒ{4@V1ãFc&ٚd=cEhVĝ5d玣|4Vd]a‰K{BYyFDH"SJy<zn6مb]ܑQ{ ;0ƀ41 \lk2Laܓh;NOM p[֊<RYPzI4RK9UG/WMpu7 cQ'7_Dp_PL )Z"- EpM1woC^`jDm*WjGA}./4oZJfj@ Aݿ .>xui{(z۹@9emq_"lJjijn 0QP i?V_yLE92 wigq9u;XRXJ*ª1BrivCLe>BPǃuq@ AZż{ő)a<3BFcG5f]ȐfT~Nq9^f](箆Lh2}yA:: a6[ǙdLWoS0v#|m/;_ % KјWSY6nV~ۛtf'ޤаpPQo0 TQ|h\BߡQ`6$0sHF-@+Ui}O1Fc%'e$SO.0' #ttQw=N!c yhWyc:hٟNt,iYwp /TMp)F5@r%Q6!VϦ Wڢ9Tljpl#|M-~Q5 %-0c<3eӅ?çMG-NqN~ܲx~(v4pZ kŴ9v:cBK*,1/ Jh0q5DXd#wѤb*vMؤ} (p?H#Mz)Dzrݷ{nu{41zT J{3. iS8wEMۓfVH޼6rˉ|aKq)C;}Mܑ2MDS8<w9QMd]X8Cy5oy]"]Nb:JqI&Y;(AUv6)H/H"QRq36cG4iFJs Ӵ6A(3|r>Πw`- g()SΞlٰ'';u*6[Ѓ헌!@iZfhoƵM/y1SquqWzV"m2z,YY2hMWg@:jpVS(U/9\hPI%wOӨ:B03S&3)>8S0fO|QWzg xs/hY63vy=v 7x޸Y҂crU@)-*@_r-5xT F&"Ǣ: 'R!ʻQR :5eԂ:=gBbC4 ]\9 p (c Mu &q>ˏL?η/W3fW l|6L <8ԙ J{iC~$>Bv `~ U 6ΚrTP;ψ(+3I0oe<)ma8kP((9ܸ_"ZW^@z(c;^D{Uy cI5wBفFϻ/W3"@ILʲ;[2\!!2~{ 2 HԭdXMZ'SCX_~JԤKS;Od2w+˭Y@xk )uo`y[F9 ,Ljqnb?Zva)~C՝|;=Exh[ž`XU(\՞Ӟk  E++sDQ[iȳk#H޹p A!OHU^#*OTpxI.M]-imJ&fkwYk &.S5W/"0$HUm8G"2*K#빱 p?Ś>0Ϩ 6 Cxq%uF˝Fo^ r陷yaו>R?ӡ ,$UjH-;&R؎ǭiH ,%Q^ʤ١#BrC=ĤNDqw6Na榌mUrL!a (jAa7&@q39;2 }~9Gh1xq|K\oUԃĻHL:TKK` mC65rP'Q;32넴{d6CR 9`R$Umc$#˱Ծ^"6Gg,G]na!e8RA@_2V@ pԮoedL,6r6ᗚ=eyL/vF7 zYU [I`jTHQk1 'xHTMhz)!(WB7@e)Pȓ!f#E̕ ||lSfZ딢W.CVT_$B Zd_NWu9@2jnZڮY腥"X~9B2VFpeaڗr1" 8X%s6wRˉP2 en$GFK.%@cX;u)τڋƅaZs+"PB5;:s71jaJ5EɵH0U^bIHQ_5fU dJ[f@)Eץ(۾eV#bm_cnI>耘rʌK SfVC,g 8"i nƏjؽ`$gЬhclx4M8׮͢<߃Hi>Eֈ:iQs#1_Ȟ&pi@0 ٷN.g}/v9W?YW4XO>b~LZB-ge ĸL*[qw_J-5sǫY|(퇖yM>9.6OϔA7ϝ9R`~o(^BxCEՄ})ap;ΈAn5KM"TW@bܢq+'-Nw^ v5T*~T0=Kꬌ-MjU(4c|fhz PCkQ'}ܙfAe;lWy _Փ?<TRGxlݥ_^eqfzp}vW=cq@x#&c# MRM^WAhL;$Zf`mH2GO^ri hxn u"ML>pB@j?HsKSA\Wo$mq`)61#|/8'=.Vz *#EG3=86027qi9Xc|I|ŕIx폀 tK&~9m*uLl. -A6jVs3%*F? x@H:4$Y@+Wjk#_œ\k!GG֤ő~$7/t>˿w<;u9A}E)A?=EC' ԂLfX'055c_]YXOvJqyy]K"_ºcCz:!6?{ G zg%ҕ!ugvz4w)Wұ)6I}E0o ׯT}Z8[6k| Ynټ)c ?1:fApId5I#LwZm&G\_V-IP?|,zLJk[:H<)F"{5Vz$ tN3tm*??Yc9>l_nt9 ǖ5u`r溷YCl" ^լ7تc#x1GD.j. ʹ4OT t g&:`Q$+eIs:ps>#8Yi13@} UExusD4|7nYK fSf>Ng8/s&Tu$x+;<= A?3Ċ&lwZzL C~CIɽ7*;5.4y [G' I)#;``X=H)$+Mݻ+6~pʸOY6ͻ ޻%~|U{}wSJ"q.l  ,۶AJ8)_Չûa!#٬~i7`F?oHfB,S>?ͣMtw߻{7J :{%p1 24Ԗ JN4F7Õ=;Epg6nXuE6-MDX+>FT}ǟއ<4þr+ľ`%m89-2͙{L81sF杗ad-o@O$jitMҙ HiqW~AbH[Hۼ3WLPIφR%ƈXRռlٝE aZvl ˪f᮰+ބ|@x'yyר#ڍk$YRD#M<ڤC2asEw捶$Ef$tKIwSQP]!K&pu"QĚly3QDAdʶdeaEzX][Kz?qW`N:3YL {4 .ⱜe3n ڵ a}4}n q_o? K 5]Cs$Df3,cm+Lt28?lr$ +1m7 b2q/¶àaC|뀬=fAMP #s+w&_(4pi}ª\mE"5h<`1C=s7b́ #Ȝ4:ڠ<~@"pّ$Iψ\d!B>9؉lߖO0ŐJڒ8;aCߢY =WuZrlC2M@P.ڬl wĤn L(% Z_&zk078`e)I~f`[4ogߎQcsJd&W7'V-ͻohPP7UWzUp:bhSfjTb8pe6Qxml70sP$;WnIPP`D8]Y0Z.XI׀Q+Ko!zn0x3;llS\o4ns%Yǟ7PV[܄ovS#c 2n\,R"{Clr}CU%\Ю3`LS)22d<NZApO`,Ƣ@8'ה!u9~]U [k=8]:Z{,^>= 7*?<ћ !LgÖI7j;>ti`s\ HB2A!J;,~"py 4C|` ]eKCe0Ѝ(S)ԂΦvIOQa[MSc6oAwhIȟ:k <&ʫ%Lb.j :6xﰆZ~S*):ztGp܀ZhuJ-7,8nՃ!jpF] %DiߍS0}޶tCؑh4ZbJF2X94[Z"wՖP&Avݑ8A ' eWT`ԤCz-GCmmef1:;ӴE6tidIuLymOӴ`r8b?#ÿzD#л;7Չx3">KXj;kX+Pcy\mdBrnx{0h)nZAʌ3pQAy0~وR:~j]?tP{cx$EerM#A$hpPǔjt5\+͟匆5;j_ rhct;:M%]ګˈ eVU5(רrWɱ, zmݢ*iP;\^Ѣ2N@?:,gPIF/*D<~ҏ$UR:^u@W#Z}ifk'ɾVd >n髈8G*+(=Q6x;5CK֑`j4@;sq/+ҙ;`A{ 7`* N^L#;Z_ӓCyο8Q-U"/^-Z/7o'OGgSbQ:r/'%pRc_0 :#誳^DIzW\:UHNR|#ɂG}C$r[&7]e;1F/e!+pl.!A'$-N۾6>)eҳ o>3 sC`5IlGCC8gl |Zں"'E5EZuq H@[niYL#_Ӂj~ #wF<+p$-$s`&3sMP|Q_~ :M8 w #ApD~?TwPmyIKV _ޤFЉ36 NT]7Bf#d"?¶YแYP#(v~ӆF^@lqP̸$* ;x>]:m9Dw|P;ފW&f387 XKV_aZU3Ϧ;[jqRuok˸V`/'DZ+̂ﷶW88v޾0 ! o}ӶdzژS?}nb} h0Vzܪ"ȼ"@_iF͛!5\W {\Bz9yuВ3o#[ 4ܬ׶&m lp+=Y-}v+qNپ|e'ų)wU `.oX-k1<,cy"=؄'p>"NjzCmn*%P5N2F+YZši&jduO.텐.:v֠qx DفgO#\/ݞ/d4N|tݿ'M4[[LRCjCg ,Uh3 ޷1nmL'gA?'ަɚ\`'ayG?3pog 0> sc-nI@4KRj5piH̎DE' ^ eOBb8+1; *C*M4ԆAwt?~ۊ /LZ :FJcl.b'ߛ5߄~r%2zÎ:IaDy& ?m#H\>ER0߬MAɕ*ˢ#7D݉ ?@g7bLo*@ZI1qi$ |2 =\Y˃o_Ƕa<_kpT }kmLnW7𹣴YF.߈u*WUjzEYF`@Ԋ۬W ,UiX^e0 W5Jۏ h:x1n]EzBpJn&š '<ntѦ0'xZ )2CNIc{­]88V r` EoS޹Oec4u8 ,JU#гMKn/i?Hq)kQ"fg@+85_4DrԱJ:Ҡoi.*`l?K6b 14>f8ՄXQnOʭG*ywѹ- 1ydy򨑡@y ͺ:"3q.~w.hb[VBR 8h~b-PZ3}f`XRdVEo-d,JX"^9M(4X`=\q.!@Z^7(ܻ93|AIIr ֎yjRDJ̘Or oO9#2"2KE%+X1/B"`ebCi'Vݩ)?6rXD+EeF^zf6fvqPyoS'P/FP QT 3remD`}2#G@ZL?*92R4g oEbts)'놦7q:1 t(W-xRq@Lv2 8dKKN`]է"=n㧀7~)!ő?mЉM㺱d½e+a+DEƋ+"Lܖ>s Ocİ{lTXD* X 3'GLVg[slF.,E7>=bϦxnNm3z?Q=,lF c JHt0s0$E^hQ螣xjO}ǘm0N#cfDhaz>MID2׫Ǧ Nq΄Qr_ K< CVp}Hrh@qiy *FlLs|alpں_yixQBD~g+u iG/.ȝy$_"(&*mƵGLޛ wDQX}`4.X $a@ tƿF( e'Gqvz7z (mn82jX8|:fg ؓBfqKhgGB j]ϣVO ĝ22O5ki|=QqûvEiS_`uFMo|mCD}vե01TV InRKb> Yڀ4?oH9Kyv_t@ iw">&l˂1 ^2Ol "0|7P<(!^6V@C'JIq̺N*)LD9Kd+">f=L c",KϠ LwQjc:_ҭN!Ԉd=3*& Ju@aV[{|5sc mx ЧH ) B_㦡iYyKhO߯9EIѐI-.iA;QjZQIog\Å`ǥ6=ٍຖSbqã DkQXplHoV0ۏH8AoS%uk5 pdӬXjOM@5j^6RL݀ l5odjIec3Y+e>P>}@~f2wmU5w+@C̃fsD>3s ߆S5\8/8%~j m%Ɯt  /1cRoJ܍jp#:>@x= !9"c,|/{ǔNW-}]+R7dIt!5}%öF6R++:l->cq}k<53pCح Zh+c0.1OW̑<## F &W,m3H])LVK; ҁzʫTmm6[5Ds8S8<:&֚2 QNq+-{ooE(\ L<LfѪ2}Ij?{nE ~,Qo ,?ʃ-+/> V%}+2pevW[ vHÉ_jjC;zfEZN7sȉP <;2p1=ɮVJv\N[Er!3|!+_(Rk,}=d#2^nI>DΞ3 UCp}x& "Q2Ic&Bjeh(洰^iv_^u(H|Dv~*8a#AN鯸hSx- ʹ'QQ}.(A2΄K&];&؎^$UH2+7Sj FcWsu)m_4A>,7J[ Z7oMéO@Kn)脲jNp:8gNQW 1ظꙀ:z3@^1t&ꫡ7-,Ӓ]瘇fPs ܤ[IO1]/9m(Ӷ$ȉ[HؾZ Zky`M81j}_:y% U, 2025-02-21 95efd878-54ae-42f2-bfe7-902981f79b76 525265914179580 2 The impact imperfect processes, systems and business practices have on both the loss and expense ratio - 2 Talitha Loftus Canva (Renderer) doc=DAGdm4QnXtM user=UAFvLK3xAAA brand=BAFvLDh7xKY template=