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[withheld] — Longitudinal consumer home-insurance pricing panel generated by an insurance-shopping and switching platform: new-policy premium levels, renewal premium levels, per-consumer quote counts (market availability), premium-decrease-at-renewal incidence, and state-level premium direction — measured on real consumer quote and renewal transactions rather than on filed carrier rates. Large consumer transaction base at serious company scale: ~310 employees, ~$100M revenue and ~$105.8M raised, generating a consumer-paid premium panel that no filing-based source can replicate. This is the most in…