Hello, my name is Stephen Lowry. I have been in the insurance industry for the last 10 years of my life. I have worked claims, I've worked sales, and most recently I've been in the claims industry. Before that, I was with Bank of America where I worked as a wealth management associate. I was there for several years. So I'm well-versed in finance, and I think I know all aspects of the insurance industry. Again, as I mentioned, I've been in claims, I've been in service, and I've been in sales for companies like USAA and State Farm. So I think I know this industry fairly well. I know what I'm getting into. I've held both a property casualty and a personal lines license, and most recently hold a claims adjuster license. So I'm looking forward to getting back into it.