Re: closing B2C, the one part that we don't seem to discuss is the "duplication" that constantly got mentioned. I think there were some big issues bringing all the businesses together and those issues were a blocker for proper growth. Now that they have removed those duplications hopefully we'll see some solid steps forward.
regarding the re rate, there needs to be further initiatives beyond the current one to further reduce costs.
I'm optimistic, however I do believe that 2023 is the year to prove the concept works. It'll be too late in 2024.
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