uid stringlengths 32 32 | question stringlengths 16 2.61k | answer stringlengths 7 8.6k | eva4b_label stringclasses 3
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9b7ebcd48d038c44be0f5569518726f3 | OK. And then just lastly on claims trends. How much of a risk do you feel there is of an uptick in claims given the strengthening labor market? And just sort of if you're seeing tight supply, I believe, of workers and if that could drive an uptick in losses. | Our insureds are not as impacted by some of the industries that are having trouble finding workers right now. So far, we haven't seen any -- we certainly haven't seen -- we've seen expanding payrolls if anything. And we haven't seen any concerns in the claims area due to worker shortage or to workers not being as train... | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
34bda274b6313d9509c6fb0dcaffa1f8 | Thanks. Good afternoon. First question is on the gross written premium, the 36% growth in the quarter. Can you help us unpack that a little bit? And if you can give any color around how much ballpark of that growth might have been driven by some of the newer partner additions? I think, Julie, you mentioned the nine par... | Sure. So our new programs represented about 16% of the total gross written premium in the first quarter of 2021. And then on our -- and then our organic growth on our owned programs was about 4.6% and organic growth on our existing program -- partners is about 33%. | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
ecc7f298127522fac9e8d1f1c7fc5cb0 | Got it. OK. Great. Thank you. That's helpful. And then just a numbers question. When I look at the net-to-gross retention, it's inching up as we'd expect given your selective retention of more risk. How should we view that 32% in the quarter? Is that ballpark a level that we should stabilize at in the near term? Or sho... | You know, Matt, it's a little hard to say with the mix of the business, if we have a little more growth on a program that we have a lower retention on or want to have a higher retention. I think that's probably not a bad place to start. | intermediate | [
"direct",
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384ea8b04a06dbb5725358aa39b92e2e | Hi. Thanks. Good afternoon. I had a question just on the expenses, the G&A expenses. Understand you expect those to remain elevated throughout the course -- the rest of the course of the year. Should I take that to mean that we should expect them to come in and around that $12 million a quarter-ish type of level? Or ma... | It's a good run rate as of now. Like Andy and Julie said, we're going to be investing, and we'll temper that with any actual cash outlays for expenses. Some of that will be capitalized in the areas of software development that we are starting to get involved with over the course of this year. But I think that's a good ... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
a31dff947541d4e087826661b9ba8c30 | Got it. Thanks. That's helpful. And then, Andy, I guess, just sort of a higher-level question, just on the growth and the non-comp liability lines. Obviously, the market has been hardening in some of those lines, but there's also a little bit of uncertainty there as well. So I'm wondering just sort of how you're thinki... | Sure. We have added a number of new programs outside of workers' comp. In fact, Matt, most of the programs that we've seen this past quarter have been outside of workers' comp, which I think is a sign that that market is tighter than the workers' comp market. We've added programs in property and commercial auto and acc... | direct | [
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"fully_evasive"
] | A |
c792f831134be80903b273d1676aa355 | Got it. That's helpful. Yes. So just -- and then I guess, just because of the low retention, that helps you get comfort. And then I guess we should relatedly -- I guess it doesn't feel like there should be a big change in sort of the loss ratio just from a change in the mix of business shifting away from workers' comp ... | Yeah, I can. Because our risk retention is so small in these other lines of business, it would be very difficult for them to have any kind of meaningful impact on our loss ratio. Now, if that business continues to grow and continues to become a larger part of our book, then certainly, that statement would change. But a... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
c9fab76a2cd08b96c804a162ba7659e8 | Hey, guys. So in light of this large buyback and return of capital to shareholders, I think you said $50 million reauthorized on the buyback authorization for the rest of the year, at least through the rest of the calendar year. How do you think about how aggressive you will be in terms of timing of using that and to w... | Thanks for the question, Sean. No, it's there -- it's there. It will remain as an authorization, and it will be, as before, evaluated on taking all that into consideration, the -- including the price, including the success, hopefully, of the tender and the market -- the frame [Phonetic]. | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
8311abc0acc6c28656da80afabea258c | Okay. And then, I got one here for Tim, regarding the PEMEC now. You talked about this utilization spike between the LPG vessels, LNG vessels, and containerships, do we see this as kind of a seasonal uptick or a one-time event, or is this sort of a new normal, where all three of these vessel categories are using the Pa... | Yeah, I think there are some seasonality in it, there naturally, but container ships especially have increased throughout the year by I think 90-plus more passages than the year before, and we see more container ships being fitted for the Panama and more lines going in that direction. So I think that's more on a contin... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
747be3fec3209f17879bbcb9672d22b5 | Okay. And so in light of that, as you're managing the Dorian fleet, has that resulted in Dorian just waiting at the Panama Canal longer along with a lot of other global players, or are you actually having to send ships around the long way around Africa from like the US Gulf to Asia? | We are sending ships around the Cape, I think -- especially as the delays in the Panama Canal surge up to 12 days to 14 days, the economics actually from [Indecipherable] port to the canal and waiting for that long justify in sending ships around the Cape, even from the north part of Asia, and still we are seeing eight... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
520d81f54aaee072dee6e295820820d2 | The -- obviously just wanted to, you know, clearly, the $100 million self-tender offer is clearly the most aggressive shareholder reward program you guys have done since being public, and with the firepower you have, the earnings momentum, and clearly the valuation, it makes a lot of sense.
I wanted to ask, with that,... | Omar, we're not, we're not -- we're not excluding growth but we are focused first on returns. At this stage, the -- the -- it is much more compelling to do, to return money to our shareholders than it is to acquire ships. That's sort of a very precise and concise answer to your question, I think. | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
5835335fa6fc50f8f9a0f84811d8f242 | Yeah, no, that's fair. And you know the -- maybe just thinking about the spot market, it's been fairly robust and we haven't really seen much time charter activity, I think, maybe from my perspective. Is that the case? That's how you see it? Or do you see the period market opening up or -- because I know in the past yo... | Okay. Yeah, I think we have seen some activity in October, November for shorter-term time charter, so one year to two years. I think, still for the longer-term deals, that has been very limited. I think people is also looking ahead of what types of ships and what will the regulations, and so on, encompass. But what's l... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
ff58c3b1ea004e991de61485fe034b2d | Thank you. And then, just maybe -- just on maybe the topic of US exports. You touched on this a bit in the opening comments. This -- trying to think about it from, say, what happened this past summer when the VLGC market came to life after the spring shutdown, and things started to come to life, despite the OPEC plus c... | Yeah, I mean, yeah, I think we could see something similar where the demand in the east is really -- is still there, so certainly enough, no appetite of the tons there they're there. So, when tons are -- when we're seeing export cuts out of the Middle East, we expect them to be replaced by US, and also on the back of w... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
7f6c80140df58cd502fac5fe2600c2ab | Yeah. Yeah, agree with that, definitely. And maybe, John, just one final -- one final question. And I've asked you this before on calls, and you've been pretty firm with the response, but how do you feel about investing in newbuildings today? Are there customers requesting that of you? | So, no, we haven't seen that yet. And I do think the newbuilding market is getting to an inflection point where I think that the prices have been either sliding or steady for a long time. And the next-the next move will be up, but -- but I thought I saw that before. So, I don't think there is a rush to do anything, cer... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
8ad52172aa41a7fff3f21bf242b920f3 | Hey, Nabil, Ali the way to think about direct-to-consumer rental from 1Q to 2Q, is that sequentially the patient population increases by X amount in addition to a 5% or 10% increase in reimbursement? | Yeah, that's correct. So you will see going into Q2, we do expect our patient population or rental patients on service to continue to increase and we would also expect to see that 5% to 10% increase in rates on the portion of the bids that is Medicare related, which is about 75%, 80% of that total pool. | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
b43074c57281ed71a4981881717729cb | And given it's a renewed focus on this part of the business, how should we be thinking about the seasonality of the rental fleet from 1Q to 2Q to 3Q and through the course of the year? | One of the great things about the rental business is that you don't see as much seasonality that you see in the cash business, because you have underlying patient demand and if patients want to convert to POCs and meet our coverage criteria, they really want to do that year round. What is difference in the rental fleet... | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
fbd43b6fde0cc0ca64fecc608a49d6ca | Okay, that is helpful. And then on the direct-to-consumer sales, it sounds as if there are certain metrics that are leading you to believe that there is increasing momentum there, but on the same token you're not able to hire the right kind of inside sales people at this point in time or not able to find them, are you ... | So in terms of the factors that we're seeing, as you said, we are seeing positive indicators that there is increasing patient interest in purchasing the product versus what we saw as dampened demand associated with the COVID-19 pandemic. So we are glad to see those improvements in those key metrics that we look at for ... | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
b25180f82eb42e9a29b7abcb6468ac20 | Okay. And then just last question, I'm sorry for asking too many, 2Q versus 1Q, 1Q you had a bolus of B2B domestic sales, do you think that overall 2Q sales given the momentum you're seeing are above 1Q? | Yeah, great question and I do expect Q2 2021 to be up from the first quarter of 2021 on a sequential basis in total revenue. I think there may be some moving parts within the various buckets, but we are seeing more of that historic seasonality that we've seen where direct-to-consumer demand in stronger in the second qu... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
1e380f54cffb943227edbe1e06198b51 | Hey, good afternoon everyone, thanks for taking the questions. So I'd love to push you a little bit on guidance for '21. I know you're not keeping it, but I'll do my best to see what we can get out of you. So given the demand we've seen in Q1 if we apply kind of the traditional seasonality metrics we've seen in the pas... | Yeah, so I can take that question. And certainly, we've seen positive trends. I mean, our numbers that we saw in March were certainly an improvement and more in line with past seasonality pattern. So that is a positive sign, but this is only a couple of months in now with March and April really behind us and seeing tha... | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
94711360516f58c928a8ae374945db24 | Okay. I've got that -- a follow-up to that and one if can on the '22 in the long-term. So just as a follow-up to your comments on D&A and kind of the sequential increases potentially into Q2 and throughout the year. How big was hospital in the first quarter? Because it sounded like maybe you were seeing some excess dem... | Yeah. So Margaret, we would love to be able to answer the question on hospital demand specific to the first quarter. It's very challenging for us to answer that question because the demand is tied to the same customers. So we weren't selling to hospitals directly in the first quarter, we were selling to all of our same... | fully_evasive | [
"direct",
"intermediate",
"fully_evasive"
] | C |
31f5daf2214e457ce08fad75f9f05569 | Okay, fair enough. And then, I think the big question that I get and I think a lot of other people get is kind of a long-term profile post-COVID and whenever that happens, if it's '22 or beyond, but how do you guys -- Nabil and the team, how do you guys view that growth profile? And as we go through this year over the ... | So, Margaret, I'll take that one. We see ourselves returning to double-digit growth, but not guiding anything beyond that, but we believe that the indicators so far that we've seen in terms of the recovery, in terms of what we're putting in place could get us back to that double-digit space that we are aspiring for in ... | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
b4285e13e3637daedfe1283d478def6c | Hi, this is actually Lilly on for Robbie. Thanks for taking the question. So I was hoping you could just give a little bit of color on what you're seeing in different geographies, obviously, things are very different in Europe than they are in the U.S. right now. So yeah, any color you'd be willing to give on how the r... | I'll take that one. So, definitely, we are seeing a recovery, which is a little bit stronger in the U.S. and is directly related as we all know to the higher vaccination rates, even though we see them now fluctuating a little bit back and forth in terms of the hesitancy for people to vaccinate. But that's a very differ... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
8bebefdc2f2d6e2f25321fd95c159305 | Great, thank you. And then, just one quick follow-up. Just how should we be thinking about opex spend over the course of the year as recovery continues to play out, in particular ad spend considering DTC is still depressed? Thanks. | Yeah, sure. So we're proud of what we accomplished in the first quarter in terms of reducing our advertising spend. We do expect advertising spend to increase in the second quarter through the fourth quarter, as we do see an opportunity for us to spend more and have higher revenue associated with it in the direct-to-co... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
e806381add83054cd057e56e97c0898f | Yeah, thanks for taking my questions. Just want to ask one on the pipeline. I don't know if you're willing to give any updates there, but it has been a couple of years since we've seen a new POC. So wondering, if you have anything new coming there. Just wondering, if you could give us an update on the effort to integra... | Yeah, I think, Mike, for the question. We are actively working on a variety of R&D projects. But we for competitive purposes really aren't going to be speaking about the specific specs until we're ready to launch those products. So just like we've done historically, we want to keep those pretty tight to the vest until ... | fully_evasive | [
"direct",
"intermediate",
"fully_evasive"
] | C |
5227f5cb0520fd90c0d1f6d13d522203 | Okay, thanks. And then, have you seen any sort of response from any of your larger B2B customers as you're increasingly focusing on your rental business? Or are you worried about that at all? | Certainly, it's something that we work with the accounts that are partners to us. We have strong relationships with a variety of HMEs and we think that that's really important as well and the work that we're doing here is meant to supplement the work that they're doing to convert their fleet and set up new patients on ... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
a6a81a8b2496b1c909ae25704daae48d | Okay, thanks. And then, just wondering if you could give us an update on the pulmonology sales force. How big is that if you're willing to give those numbers or as like it's at the end of the year, last year? And then how you talked about productivity of your inside sales force. I don't know if you have any way to kind... | Yeah. So Mike, we're at 24 and the intention is to continue to hire very selectively because these are very unique profiles in terms of clinical selling and the ability to develop the market. The -- to the question around productivity, the one thing I can say is despite the fact that there is a lower percentage of tenu... | intermediate | [
"direct",
"intermediate",
"fully_evasive"
] | B |
36767c03b666b6a7ed3eff54e9152cc0 | Hi, this is actually Rebecca Wang, I'm for Danielle. A question on your commercial strategy, you guys hired a new Chief Commercial Officer, how does this change your company's commercial strategy overall? And where do you see opportunity for him to have the most impact in the next few year -- few months? Thank you. | Yeah, so the Chief Commercial Officer as part of the management team, definitely is going to participate on the two biggest levers of growth, on the portfolio side and strategy as well as on the go-to-market. So on the portfolio the close partnership with R&D and engineering to make sure that we are actually making sur... | direct | [
"direct",
"intermediate",
"fully_evasive"
] | A |
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