At its core, Talanx is a business with a lower-cost position. This stems from its location in Hannover, Germany, which is a much more inexpensive place to live. That lower expense base has come at a price, and this has historically been visible in claims. Talanx has taken a number of actions to improve underwriting. Actions include, but are not limited to, investment in a new piece of proprietary technology that they have called the Underwriting Workbench, which helps underwriters run their insurance portfolios profitably. Here, individual underwriters are facilitated to meet their key performance indicators, meaning the same for the industrial lines.