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      "Insert an answer-first executive summary after slide 2 stating where Pine lands vs peers and research and which Case is recommended, with 3 supporting bullets",
      "Rewrite every chart title as an action title - e.g., slide 15 becomes 'Pine Case 1 ROE trails peer median by ~X pts in 2018, closes gap by 2019'; slide 19 becomes 'Loss-ratio deterioration drives ~$Xm of the Case 1 vs Dec-2017 operating-income gap'",
      "Replace 'Section B/C/D' dividers with thesis-bearing pillar names (e.g., 'Pine is in-line on growth, behind on underwriting') and add a synthesis/recommendation slide before slide 28 so the deck resolves before the appendix",
      "De-duplicate slides 12-14 and 21-22 by adding the differentiating metric to each title (loss vs expense vs combined ratio; Case 1 vs Case 2)"
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