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      <video:title>ZERO LEGACY, Movement I: The Great Decoupling</video:title>
      <video:description>For a hundred years, the cost of writing insurance moved with the number of people writing it. This film shows what comes apart when that link breaks, and what it means for a business still priced as though it held.</video:description>
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      <video:title>ZERO LEGACY, Movement II: Re-Architecting the Core</video:title>
      <video:description>Most of the money in an insurance business is spent keeping the middle of the stack alive. This film shows where the core sits, what it was built to assume, and why that assumption now sets a ceiling on everything above it.</video:description>
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      <video:title>ZERO LEGACY, Movement III: The Operating Model Is the Strategy</video:title>
      <video:description>Everyone can name the steps. Almost nobody can say what happens between them. This film walks the chain one step at a time and stops at the gaps, because the gaps are where the work actually goes.</video:description>
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      <video:title>ZERO LEGACY, Movement IV: The Accountability Layer</video:title>
      <video:description>You can let an underwriter go. You can discipline an adjuster. You can recover from a third party. This film follows those three remedies, shows what is left of them once the decision sits inside a model, and sets out what has to be built in their place.</video:description>
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      <video:title>ZERO LEGACY, Movement V: The Agentic Frontier</video:title>
      <video:description>For thirty years the industry built a better screen. This film is about what happens when the buyer steps away from it, what that does to distribution and to settlement, and the one thing that still has to be earned before any of it works.</video:description>
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