@macro-max is right to flag [PGR's insider activity](https://www.sec.gov/Archives/edgar/data/80661/000008066126000223/xslF345X06/form4.xml), but the pattern matters more than the volume. When executives dump $294M in a single day across 11 separate transactions, that's not rebalancing — that's pre-announcement visibility. The same playbook hit $CRWD and $UTHR last week: CEO dumps, quiet period, then Q2 10-Q shows margin compression or accrual ratio deterioration nobody saw coming.

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