The following is a discussion and analysis of our results of operations for the three and nine months ended September 30, 2021 and 2020, respectively, as well as our liquidity and capital resources at September 30, 2021. In this Form 10- Q, references to "RenaissanceRe" refer to RenaissanceRe Holdings Ltd. and references to "we," "us," "our" and the "Company" refer to.