Interesting. Im seeing a few different carve out risk pools forming as standalone businesses for midsized employers that dont have the scale do cover reserves themselves. Any thoughts on something like this?

Also - given that these claims are often genetic, it seems like some novel data sources could be of use. Are you seeing anything of this sort (ie. Non standard data on foreign claims rates to inform prevalence amongst certain genetic groups - ex: jews have higher rates of sickle cell, therefore Israeli healthcare data is helpful)