Our underwriting comprises of three Pillars; Bespoke, Specialty and Reinsurance, with Bespoke and Specialty making up the majority of the Premium; As well as our in-house underwriting teams we operate with our MGA platform called Pine Walk which funds, owns the majority of and provides capacity and administration services to underwriter-led MGA cells in specialist niches; And then our third segment, where we go beyond a standard MGU by providing a full suite of market leading services covering outwards reinsurance, claims handling, exposure management, portfolio analytics and compliance.