b'than other study states. This balance results in overall claim spend that is about average compared to all other study states. I hope that you nd our 2024-year end review insightful. It has been an honor to serve as President of the Wisconsin Compensation Rating Bureau for my thirteenth year. I truly believe that for many reasons, Wisconsins workers compensation system remains, arguably, the Model State. Sincerely, Bernard Rosauer Bernard L. Rosauer President Wisconsin Compensation Rating Bureau'