b'PRESIDENTSMESSAGEEverymutualinsurancecompanyhas repairscosts,whichnecessitatedrateitsownmissionandvisionstatement adjustmentsbeyondourhistoricalthatmakesitunique,butwesharea norms. Our long-term outlook permitscommonstructurethatimpactshow us to distribute these adjustments overwe think about our work. The concept an extended period, thereby easing theofmutualityrequiresthatwemake transitionforourmembers.However,decisionsinthelong-termbest achievingsustainabilityrequiresinterests of our membersthe people proactivemeasuresinresponsetothatweinsure.Ourdisciplinedand thesemarketpressures.Wepatientapproachtoservingmembers understand this has been difficultandis not always easy, but it has withstood arecommittedtomanagingourthe test of time for 98 years! operatingexpenseswhileprovidingvalue to our dedicated members.ThepastyearwasparticularlychallengingforGoodvilleMutualand Despitetheseindustryheadwinds,theourmembers,primarilyduetoa GoodvilleMutualInsuranceGroupconfluenceofsevereclimaticevents, remainsstrongandresilient.Ourrising reinsurance costs, and increasingMission, Vision, and Guiding Principles'