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      "text": "(1) Represents difference in average combined ratios for the period 2013–6/30/2023 between IGIC and peers. Peers include: MKL, ACGL, WRB, RE, RNR, HSX-LON, AXS, RLI, BEZ-LON, ARGO, KNSL, LRE-LON, JRVR and Lloyd's of London (2) 2013-Q2 2023 (annualized) (3) Source Dowling Research (see Slide 5)",
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