Year 2+: Monitoring insights routinely drive model refinement, filing decisions, and underwriting guidance; single source of truth for commercial rating data is established and adopted; measurable improvement in rate adequacy and segmentation effectiveness attributable to this function. As our rating capabilities continue to expand across lines, we are investing in enhancing the next layer: a production-grade capability to measure model performance and feed those insights back into how we build, refine, and deploy them.