Next ER, and as one poster already mentioned, no big storms, no negative events. And the nice thing about the insurance business model is the actuarials' just adjust rates as needed and the result is guaranteed earnings:-)
42 immediately after earnings. It has been telegraphed already - CEO gets big raise, probable dividend announcement and they will beat comfortably. This stock will not see 38 again - Hedgefunds will run it up, stall it, shake out the rough and it will be at 41 41.5 for a bit until 42 becomes the base again.