joshua motta is ceo and co-founder thank you for being with us.'s run through a couple of the numbers contessa just set up there with respect to your business how many new customers -- what is the rate of growth in customers that you've experienced this year over, say, last year? and what is the rate of growth in the typical premium obviously different companies would have different premiums so there is probably no such thing as an average premium, but i'm looking at what the rate of growth is. growth in customers and growth of premiums paid >> yes, you're right rising demand for cyber insurance, like any form of insurance, is driven by losses, which are happening. business owners are seeing more wrecks on the side of the road and wondering, could that be us? quarter over quarter we've seen 69% growth in demand for new buyers in the market and, you're right. premiums are rising. i would say on average across the market we see 40% to 50% price increases. but it can be dramatically higher particularly for businesses that have had prior claims experi