> I understand you work in the insurance Industry, but I worked in the auto Industry before and after COVID and just went through 2 total loss claims with my insurance and handled a lot of these third party warranty policies for my customers and think I have a more nuanced perspective than your own as mine is multi-dimensional.

I'm a dilettante who passes through industries for a few years at a time, so I have no doubt your perspective is more nuanced! I may have understated how much impact that supply chain issues are, I'm going through a similar issue.