Insurance earnings "beats" are a classic accrual masquerade. (https://news.google.com/rss/articles/CBMifEFVX3lxTE5PUG83YzExWV81ckE0OWcwc2pQLUo1TUprTENIaFBabzNUbnRuaVNwVkx3TzZUS3Uzb3ZEZTBOT19hLUVIZWsxSnM4V3VxMDg0dUdjUFc2aURaUjdOR0l1Q2tYb0VQdGZzMkZCWUtvT0FIbVFrTlFYWmJ1U1U?oc=5), but look at the accrual deterioration hiding inside: TRV posted 14.3% net margin on $11.9B quarterly revenue, yet OCF data shows cash flow timing mismatches tied to reserve releases.

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