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Thanks for the questions. To each: 1) all of the programs we developed with our insurance partners are filed, and therefore available publicly 2) in any insurance program filing, it's important to justify rates in the context of projected losses -- looking at how similar products work in the market is an important component of how we did this, but we undertook substantial actuarial work as well to develop our pricing/rating 3) we are indeed hiring! -- https://www.vouch.us/careers#jobroles

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