Healthy Gross MarginA roughly 40% gross margin indicates the core insurance/brokerage economics retain pricing power or low direct costs. This margin provides a structural cushion to absorb SG&A and investment spending, making recovery of operating profitability more feasible if revenue stabilizes.
2026 Equity Incentive PlanA broad, board-authorized incentive plan is a durable governance tool to attract and retain talent and align management with shareholders. Over months this can improve execution, reduce turnover, and support strategic initiatives critical to long-term revenue and product adoption.
Lower Reported DebtA reduction in nominal debt lowers interest and near-term refinancing pressure, improving solvency headroom. Structurally, lower leverage enhances financial flexibility to pursue corrective actions or opportunistic investments during a multi-month recovery period.