It's a good and fair question, and it's one you can answer by looking at their loss ratio trajectory. You expect to see it really high in the beginning (while

It's a good and fair question, and it's one you can answer by looking at their loss ratio trajectory. You expect to see it really high in the beginning (while they're learning how underwriting works), and to logarithmically decline over time, tending to plateau somewhere reasonable. That's what their loss ratio trajectory looks like, so far.