2023 has been a significant year for BF&M. We overcame numerous obstacles to mark a period of notable achievement including record results. As a group of companies, we remain steadfast in our commitment to operational excellence, exceptional service, disciplined underwriting, and careful risk management, all of which are fundamental to our ongoing success. This year’s results are a clear indication that we are on the right track and reflects the dedication of our team who strive to provide peace of mind to our valued policyholders.