SPXL vs. NZUS ETF Comparison

Comparison of Direxion Daily S&P 500 Bull 3X Shares (SPXL) to SPDR MSCI USA Climate Paris Aligned ETF (NZUS)

SPXL

Direxion Daily S&P 500 Bull 3X Shares

SPXL Description

The investment seeks daily investment results, before fees and expenses, of 300% of the performance of the S&P 500® Index. The fund, under normal circumstances, creates long positions by investing at least 80% of its assets in the securities that comprise the S&P 500® Index ("index") and/or financial instruments that provide leveraged and unleveraged exposure to the index. The index is a capitalization-weighted index composed of 500 domestic common stocks. The fund is non-diversified.

Grade (RS Rating)

Last Trade

$177.55

Average Daily Volume

3,153,514

Number of Holdings ^*

498

* may have additional holdings in another (foreign) market

NZUS

SPDR MSCI USA Climate Paris Aligned ETF

NZUS Description

SPDR Series Trust - SPDR MSCI USA Climate Paris Aligned ETF is an exchange traded fund launched by State Street Global Advisors, Inc. The fund is managed by SSGA Funds Management, Inc. It invests in public equity markets of the United States. The fund invests in stocks of companies operating across diversified sectors. It invests in growth and value stocks of companies across diversified market capitalization. The fund invests in stocks of companies that are deemed socially conscious in their business dealings and directly promote environmental responsibility. It seeks to track the performance of the MSCI USA Climate Paris Aligned Index, by using representative sampling technique. It does not invest in stocks of companies operating across cluster bombs, landmines, depleted uranium, chemical or biological weapons, blinding laser weapons, non-detectable fragments or incendiary weapons, tobacco, mining of thermal coal, oil and gas related activities, including distribution / retail, equipment and services, extraction and production, petrochemicals, pipelines and transportation and refining, thermal coal based, liquid fuel based and natural gas based power generation sectors. SPDR Series Trust - SPDR MSCI USA Climate Paris Aligned ETF is domiciled in the United States.

Grade (RS Rating)

Last Trade

$33.37

Average Daily Volume

311

Number of Holdings ^*

248

* may have additional holdings in another (foreign) market

Performance

Period	SPXL	NZUS
30 Days	5.75%	2.07%
60 Days	15.78%	4.64%
90 Days	18.92%	7.01%
12 Months	101.79%	33.23%

214 Overlapping Holdings

	Symbol	Grade	Weight in SPXL	Weight in NZUS	Overlap
	A	F	0.05%	0.09%	0.05%
	AAPL	C	4.17%	6.69%	4.17%
	ABBV	F	0.44%	0.57%	0.44%
	ABNB	C	0.08%	0.19%	0.08%
	ACGL	C	0.05%	0.24%	0.05%
	ACN	B	0.28%	0.62%	0.28%
	ADBE	C	0.28%	0.59%	0.28%
	ADI	D	0.14%	0.63%	0.14%
	ADP	A	0.15%	0.09%	0.09%
	ADSK	B	0.08%	0.28%	0.08%
	AFL	C	0.07%	0.56%	0.07%
	AJG	A	0.08%	0.1%	0.08%
	ALGN	D	0.02%	0.03%	0.02%
	ALL	B	0.06%	0.14%	0.06%
	ALLE	D	0.02%	0.24%	0.02%
	AMD	F	0.29%	0.57%	0.29%
	AME	A	0.05%	0.54%	0.05%
	AMGN	F	0.21%	0.28%	0.21%
	AMP	A	0.07%	0.04%	0.04%
	AMT	F	0.11%	0.24%	0.11%
	AMZN	A	2.38%	3.66%	2.38%
	ANET	C	0.13%	0.07%	0.07%
	ANSS	B	0.04%	0.06%	0.04%
	AON	B	0.1%	0.19%	0.1%
	AOS	F	0.01%	0.05%	0.01%
	APH	B	0.11%	0.19%	0.11%
	ARE	F	0.02%	0.45%	0.02%
	AVB	B	0.04%	0.45%	0.04%
	AVGO	C	1.03%	1.71%	1.03%
	AWK	D	0.03%	0.52%	0.03%
	AXON	B	0.04%	0.16%	0.04%
	AXP	B	0.2%	0.39%	0.2%
	BAC	A	0.38%	0.01%	0.01%
	BAX	F	0.02%	0.01%	0.01%
	BDX	F	0.09%	0.09%	0.09%
	BIIB	F	0.03%	0.06%	0.03%
	BK	B	0.07%	0.21%	0.07%
	BMY	B	0.14%	0.36%	0.14%
	BRO	B	0.03%	0.21%	0.03%
	BSX	A	0.16%	0.28%	0.16%
	BX	A	0.16%	0.24%	0.16%
	BXP	D	0.01%	0.45%	0.01%
	CB	C	0.13%	0.38%	0.13%
	CBOE	D	0.03%	0.1%	0.03%
	CHD	A	0.03%	0.2%	0.03%
	CHTR	B	0.05%	0.13%	0.05%
	CINF	A	0.03%	0.14%	0.03%
	CMCSA	B	0.21%	0.23%	0.21%
	CME	B	0.1%	0.3%	0.1%
	CMG	B	0.1%	0.16%	0.1%
	CPRT	A	0.06%	0.17%	0.06%
	CRM	B	0.37%	0.86%	0.37%
	CSCO	A	0.29%	0.85%	0.29%
	CSGP	F	0.04%	0.1%	0.04%
	CSX	B	0.09%	0.01%	0.01%
	CTAS	B	0.09%	0.2%	0.09%
	CTLT	D	0.01%	0.04%	0.01%
	DFS	B	0.06%	0.08%	0.06%
	DGX	B	0.02%	0.03%	0.02%
	DHR	F	0.2%	0.51%	0.2%
	DIS	B	0.22%	0.39%	0.22%
	DLR	C	0.07%	1.7%	0.07%
	DOC	C	0.02%	0.45%	0.02%
	DXCM	C	0.03%	0.08%	0.03%
	EBAY	C	0.04%	0.18%	0.04%
	ECL	C	0.08%	0.15%	0.08%
	EFX	F	0.04%	0.1%	0.04%
	EIX	C	0.04%	1.21%	0.04%
	EL	F	0.02%	0.03%	0.02%
	ELV	F	0.12%	0.22%	0.12%
	ENPH	F	0.01%	0.21%	0.01%
	EPAM	B	0.01%	0.01%	0.01%
	EQIX	B	0.1%	0.87%	0.1%
	EQR	C	0.03%	0.1%	0.03%
	ERIE	F	0.01%	0.09%	0.01%
	ESS	C	0.02%	0.44%	0.02%
	ETN	B	0.18%	0.11%	0.11%
	EW	F	0.05%	0.17%	0.05%
	EXR	D	0.04%	0.05%	0.04%
	FAST	B	0.06%	0.24%	0.06%
	FDS	A	0.02%	0.11%	0.02%
	FFIV	B	0.02%	0.16%	0.02%
	FI	A	0.15%	0.1%	0.1%
	FOX	A	0.01%	0.03%	0.01%
	FOXA	A	0.01%	0.04%	0.01%
	FSLR	F	0.03%	0.58%	0.03%
	FTNT	B	0.06%	0.13%	0.06%
	FTV	C	0.03%	0.36%	0.03%
	GILD	B	0.14%	0.03%	0.03%
	GOOG	C	1.06%	2.36%	1.06%
	GOOGL	C	1.27%	1.21%	1.21%
	GRMN	A	0.04%	0.25%	0.04%
	GWW	B	0.07%	0.05%	0.05%
	HD	B	0.47%	0.9%	0.47%
	HIG	C	0.04%	0.17%	0.04%
	HLT	A	0.07%	0.04%	0.04%
	HOLX	D	0.02%	0.08%	0.02%
	HSY	F	0.03%	0.29%	0.03%
	HUM	D	0.04%	0.08%	0.04%
	IBM	D	0.24%	1.24%	0.24%
	ICE	C	0.11%	0.27%	0.11%
	IDXX	F	0.04%	0.13%	0.04%
	IEX	B	0.02%	0.25%	0.02%
	INCY	B	0.02%	0.04%	0.02%
	INTC	C	0.13%	0.28%	0.13%
	INTU	A	0.22%	0.63%	0.22%
	IQV	F	0.05%	0.02%	0.02%
	IR	A	0.05%	0.04%	0.04%
	ISRG	A	0.23%	0.38%	0.23%
	ITW	B	0.09%	0.35%	0.09%
	JNJ	D	0.47%	0.9%	0.47%
	JNPR	D	0.02%	0.31%	0.02%
	JPM	A	0.87%	1.27%	0.87%
	KDP	C	0.05%	0.08%	0.05%
	KEYS	C	0.03%	0.13%	0.03%
	KIM	A	0.02%	0.09%	0.02%
	KKR	B	0.13%	0.18%	0.13%
	KLAC	F	0.11%	0.22%	0.11%
	LH	B	0.02%	0.02%	0.02%
	LLY	F	0.75%	1.74%	0.75%
	LOW	B	0.18%	0.05%	0.05%
	LULU	B	0.04%	0.1%	0.04%
	MA	B	0.53%	1.26%	0.53%
	MCD	C	0.26%	0.96%	0.26%
	MCO	C	0.09%	0.57%	0.09%
	MDT	D	0.14%	0.3%	0.14%
	MET	C	0.06%	0.12%	0.06%
	META	B	1.54%	2.55%	1.54%
	MKC	D	0.02%	0.01%	0.01%
	MKTX	C	0.01%	0.07%	0.01%
	MMC	D	0.14%	0.33%	0.14%
	MNST	B	0.05%	0.15%	0.05%
	MPWR	F	0.05%	0.1%	0.05%
	MRK	F	0.31%	0.66%	0.31%
	MRNA	F	0.02%	0.01%	0.01%
	MSFT	C	3.85%	6.65%	3.85%
	MSI	B	0.1%	0.52%	0.1%
	MTB	A	0.04%	0.08%	0.04%
	MTCH	F	0.01%	0.02%	0.01%
	MTD	F	0.04%	0.33%	0.04%
	NDAQ	B	0.04%	0.12%	0.04%
	NEM	F	0.06%	0.09%	0.06%
	NFLX	A	0.41%	0.79%	0.41%
	NKE	F	0.11%	0.08%	0.08%
	NOW	A	0.25%	0.94%	0.25%
	NTRS	A	0.03%	0.09%	0.03%
	NVDA	A	4.42%	7.86%	4.42%
	O	D	0.06%	0.18%	0.06%
	ODFL	B	0.05%	0.2%	0.05%
	ORCL	A	0.36%	0.82%	0.36%
	PANW	B	0.15%	0.06%	0.06%
	PAYC	B	0.01%	0.01%	0.01%
	PAYX	B	0.06%	0.15%	0.06%
	PFE	F	0.19%	0.25%	0.19%
	PGR	A	0.19%	0.36%	0.19%
	PLD	D	0.13%	0.72%	0.13%
	PNR	A	0.02%	0.47%	0.02%
	PODD	B	0.02%	0.05%	0.02%
	PSA	D	0.06%	0.21%	0.06%
	PYPL	A	0.1%	0.2%	0.1%
	QCOM	F	0.24%	0.43%	0.24%
	REGN	F	0.11%	0.21%	0.11%
	RMD	C	0.04%	0.14%	0.04%
	ROK	B	0.04%	0.45%	0.04%
	ROL	C	0.02%	0.12%	0.02%
	ROP	A	0.07%	0.17%	0.07%
	ROST	D	0.06%	0.14%	0.06%
	RVTY	C	0.02%	0.12%	0.02%
	SBUX	B	0.13%	0.27%	0.13%
	SCHW	B	0.14%	0.4%	0.14%
	SHW	A	0.11%	1.53%	0.11%
	SMCI	F	0.01%	0.01%	0.01%
	SNPS	C	0.1%	0.23%	0.1%
	SPG	A	0.07%	0.15%	0.07%
	SPGI	C	0.19%	0.75%	0.19%
	STZ	D	0.04%	0.03%	0.03%
	SYK	A	0.16%	0.35%	0.16%
	TECH	D	0.01%	0.03%	0.01%
	TFX	F	0.01%	0.04%	0.01%
	TJX	A	0.16%	0.39%	0.16%
	TMO	F	0.26%	0.52%	0.26%
	TMUS	A	0.14%	0.05%	0.05%
	TRMB	B	0.02%	0.14%	0.02%
	TROW	A	0.03%	0.11%	0.03%
	TRV	B	0.07%	0.07%	0.07%
	TSLA	B	0.99%	2.89%	0.99%
	TTWO	A	0.03%	0.03%	0.03%
	TXN	B	0.24%	0.67%	0.24%
	TYL	B	0.03%	0.05%	0.03%
	UBER	F	0.19%	0.2%	0.19%
	ULTA	C	0.02%	0.07%	0.02%
	UNH	B	0.68%	1.21%	0.68%
	UNP	D	0.19%	0.2%	0.19%
	USB	B	0.1%	0.13%	0.1%
	V	A	0.63%	1.75%	0.63%
	VICI	D	0.04%	0.24%	0.04%
	VLTO	D	0.03%	0.15%	0.03%
	VMC	B	0.05%	0.05%	0.05%
	VRSK	A	0.05%	0.16%	0.05%
	VRSN	C	0.02%	0.15%	0.02%
	VRTX	B	0.16%	0.27%	0.16%
	VTR	C	0.03%	0.07%	0.03%
	VZ	D	0.21%	0.11%	0.11%
	WAT	B	0.03%	0.2%	0.03%
	WELL	B	0.1%	0.2%	0.1%
	WFC	A	0.3%	0.28%	0.28%
	WM	A	0.1%	0.04%	0.04%
	WRB	B	0.02%	0.09%	0.02%
	WST	B	0.03%	0.24%	0.03%
	WTW	A	0.04%	0.14%	0.04%
	XYL	F	0.04%	1.14%	0.04%
	YUM	B	0.05%	0.15%	0.05%
	ZBH	C	0.03%	0.07%	0.03%
	ZTS	D	0.1%	0.52%	0.1%

SPXL Overweight 284 Positions Relative to NZUS

	Symbol	Grade	Weight
	BRK.A	B	1.06%
	XOM	B	0.66%
	COST	B	0.49%
	PG	C	0.47%
	WMT	A	0.45%
	CVX	A	0.33%
	KO	F	0.3%
	PEP	D	0.28%
	LIN	D	0.27%
	CAT	B	0.25%
	ABT	C	0.25%
	PM	B	0.24%
	GE	D	0.24%
	GS	B	0.23%
	BKNG	A	0.21%
	T	A	0.2%
	RTX	D	0.2%
	MS	A	0.2%
	NEE	D	0.19%
	AMAT	F	0.19%
	HON	B	0.17%
	C	B	0.16%
	COP	C	0.16%
	MU	D	0.15%
	PLTR	B	0.14%
	LMT	D	0.14%
	DE	D	0.13%
	BA	F	0.13%
	SO	D	0.12%
	UPS	C	0.12%
	LRCX	F	0.12%
	DUK	D	0.11%
	CI	D	0.11%
	TT	B	0.11%
	MDLZ	F	0.11%
	PH	A	0.11%
	GEV	B	0.11%
	MO	A	0.11%
	TDG	D	0.1%
	CVS	F	0.1%
	GD	C	0.1%
	CDNS	B	0.1%
	PNC	B	0.1%
	MCK	B	0.09%
	ORLY	A	0.09%
	NOC	D	0.09%
	EOG	A	0.09%
	EMR	A	0.09%
	COF	B	0.09%
	CEG	D	0.09%
	MMM	C	0.09%
	CL	F	0.09%
	CRWD	B	0.09%
	GM	B	0.08%
	SLB	C	0.08%
	NSC	B	0.08%
	TFC	B	0.08%
	FDX	B	0.08%
	CARR	C	0.08%
	MAR	A	0.08%
	HCA	D	0.08%
	FCX	F	0.08%
	WMB	B	0.08%
	TGT	C	0.08%
	APD	B	0.08%
	PSX	C	0.07%
	RCL	A	0.07%
	JCI	A	0.07%
	AZO	B	0.07%
	SRE	B	0.07%
	URI	B	0.07%
	NXPI	F	0.07%
	OKE	A	0.07%
	PCAR	B	0.07%
	CCI	F	0.06%
	MSCI	B	0.06%
	PRU	B	0.06%
	PWR	B	0.06%
	HWM	B	0.06%
	FIS	B	0.06%
	D	D	0.06%
	LHX	B	0.06%
	CMI	A	0.06%
	DHI	D	0.06%
	AIG	B	0.06%
	KMI	B	0.06%
	AEP	D	0.06%
	FICO	B	0.06%
	MPC	D	0.06%
	GIS	F	0.05%
	XEL	A	0.05%
	GLW	B	0.05%
	MLM	B	0.05%
	SYY	D	0.05%
	EA	A	0.05%
	EXC	C	0.05%
	CBRE	B	0.05%
	CTSH	A	0.05%
	HES	B	0.05%
	GEHC	D	0.05%
	MCHP	F	0.05%
	KR	A	0.05%
	DELL	C	0.05%
	NUE	D	0.05%
	DAL	A	0.05%
	OTIS	D	0.05%
	LEN	D	0.05%
	TRGP	B	0.05%
	IT	B	0.05%
	PEG	C	0.05%
	RSG	B	0.05%
	BKR	B	0.05%
	CTVA	C	0.05%
	COR	B	0.05%
	KVUE	A	0.05%
	PCG	A	0.05%
	VST	B	0.05%
	F	C	0.05%
	KMB	D	0.05%
	VLO	C	0.05%
	UAL	A	0.04%
	STT	B	0.04%
	GPN	B	0.04%
	PPG	F	0.04%
	NVR	D	0.04%
	KHC	F	0.04%
	RJF	A	0.04%
	WEC	B	0.04%
	ON	F	0.04%
	TSCO	D	0.04%
	ETR	B	0.04%
	FITB	A	0.04%
	CNC	F	0.04%
	IRM	D	0.04%
	DOW	F	0.04%
	ED	D	0.04%
	FANG	C	0.04%
	OXY	F	0.04%
	WAB	B	0.04%
	DD	D	0.04%
	HPQ	B	0.04%
	ZBRA	B	0.03%
	IP	B	0.03%
	BLDR	C	0.03%
	OMC	A	0.03%
	FE	D	0.03%
	EXPE	B	0.03%
	PKG	B	0.03%
	ATO	B	0.03%
	STX	D	0.03%
	CFG	B	0.03%
	ES	D	0.03%
	K	A	0.03%
	STLD	C	0.03%
	IFF	F	0.03%
	STE	D	0.03%
	LYB	F	0.03%
	TDY	B	0.03%
	WDC	D	0.03%
	WY	F	0.03%
	AEE	B	0.03%
	SBAC	D	0.03%
	PTC	B	0.03%
	EQT	B	0.03%
	PPL	A	0.03%
	RF	A	0.03%
	CPAY	A	0.03%
	CCL	B	0.03%
	GDDY	B	0.03%
	NTAP	D	0.03%
	DVN	F	0.03%
	DECK	B	0.03%
	DTE	D	0.03%
	HUBB	C	0.03%
	HBAN	A	0.03%
	ADM	F	0.03%
	BR	A	0.03%
	LDOS	C	0.03%
	SW	B	0.03%
	SYF	B	0.03%
	PHM	D	0.03%
	HAL	C	0.03%
	CDW	F	0.03%
	HPE	B	0.03%
	DOV	A	0.03%
	CAH	B	0.03%
	NCLH	B	0.02%
	SJM	F	0.02%
	CHRW	A	0.02%
	CPT	C	0.02%
	DLTR	F	0.02%
	HST	D	0.02%
	DAY	B	0.02%
	UDR	C	0.02%
	JKHY	C	0.02%
	CAG	F	0.02%
	VTRS	B	0.02%
	EVRG	A	0.02%
	POOL	D	0.02%
	SWK	F	0.02%
	APTV	F	0.02%
	NDSN	B	0.02%
	SWKS	F	0.02%
	LNT	C	0.02%
	AMCR	D	0.02%
	CF	B	0.02%
	L	A	0.02%
	DPZ	C	0.02%
	JBHT	C	0.02%
	JBL	C	0.02%
	GEN	B	0.02%
	NI	A	0.02%
	EG	D	0.02%
	AKAM	F	0.02%
	MRO	B	0.02%
	AVY	F	0.02%
	TXT	D	0.02%
	EXPD	C	0.02%
	TSN	B	0.02%
	DG	F	0.02%
	GPC	D	0.02%
	MAS	D	0.02%
	BBY	C	0.02%
	TER	F	0.02%
	LVS	C	0.02%
	MAA	C	0.02%
	CTRA	B	0.02%
	BALL	D	0.02%
	PFG	C	0.02%
	J	D	0.02%
	KEY	B	0.02%
	SNA	A	0.02%
	WBD	B	0.02%
	LUV	B	0.02%
	CNP	B	0.02%
	INVH	D	0.02%
	NRG	C	0.02%
	MOH	F	0.02%
	LYV	A	0.02%
	CLX	A	0.02%
	DRI	B	0.02%
	CMS	D	0.02%
	WBA	D	0.01%
	BEN	C	0.01%
	PARA	B	0.01%
	DVA	C	0.01%
	QRVO	F	0.01%
	FMC	F	0.01%
	MHK	D	0.01%
	BWA	B	0.01%
	WYNN	C	0.01%
	HII	F	0.01%
	HAS	D	0.01%
	RL	B	0.01%
	IVZ	B	0.01%
	FRT	B	0.01%
	MGM	D	0.01%
	CZR	F	0.01%
	MOS	D	0.01%
	HSIC	F	0.01%
	HRL	F	0.01%
	CPB	F	0.01%
	APA	F	0.01%
	TAP	B	0.01%
	GL	B	0.01%
	LKQ	C	0.01%
	CE	F	0.01%
	AES	F	0.01%
	PNW	A	0.01%
	SOLV	C	0.01%
	AIZ	A	0.01%
	NWSA	B	0.01%
	GNRC	B	0.01%
	CRL	C	0.01%
	ALB	C	0.01%
	IPG	F	0.01%
	TPR	A	0.01%
	LW	B	0.01%
	REG	A	0.01%
	KMX	B	0.01%
	UHS	D	0.01%
	EMN	D	0.01%
	BG	D	0.01%
	NWS	B	0.0%

SPXL Underweight 34 Positions Relative to NZUS

	Symbol	Grade	Weight
	ACM	B	-0.57%
	MRVL	B	-0.32%
	RIVN	F	-0.29%
	APO	B	-0.22%
	MELI	D	-0.22%
	AFG	A	-0.17%
	MKL	A	-0.12%
	ALNY	D	-0.11%
	RPRX	F	-0.11%
	GGG	B	-0.1%
	SEIC	A	-0.1%
	VEEV	B	-0.08%
	WDAY	B	-0.08%
	ILMN	C	-0.06%
	BMRN	F	-0.05%
	TTD	B	-0.05%
	NBIX	C	-0.04%
	BAH	C	-0.04%
	BIO	C	-0.04%
	HUBS	B	-0.03%
	AVTR	F	-0.03%
	SQ	B	-0.03%
	SNAP	C	-0.02%
	EXAS	F	-0.02%
	DOCU	B	-0.02%
	ZM	B	-0.02%
	PINS	F	-0.02%
	OKTA	C	-0.02%
	SNOW	C	-0.02%
	COIN	B	-0.02%
	TW	B	-0.02%
	WPC	F	-0.01%
	MDB	C	-0.01%
	TRU	D	-0.01%

SPXL: Top Represented Industries & Keywords

Industries: Diversified Industrials Software - Application Utilities - Regulated Electric Business Services Semiconductors Diagnostics & Research Oil & Gas E&P Aerospace & Defense Asset Management Banks - Regional - US Capital Markets Drug Manufacturers - Major Packaged Foods Medical Devices Medical Instruments & Supplies Specialty Retail Credit Services Health Care Plans Household & Personal Products Information Technology Services

Keywords: S&P 500 Nasdaq 100 Natural Gas Computing Electricity Insurance Dow Jones Component Electronics Chemical Medicine Real Estate Investment Trust Aerospace Telecommunications Bank Semiconductor Banking Insurance Products Petroleum Industry Transport Investment Bank

NZUS: Top Represented Industries & Keywords

Industries: Software - Application Diagnostics & Research Diversified Industrials Biotechnology Business Services Drug Manufacturers - Major Semiconductors Asset Management Insurance - Property & Casualty Internet Content & Information Medical Devices Medical Instruments & Supplies Capital Markets Insurance Brokers Credit Services Financial Data & Stock Exchanges Restaurants Scientific & Technical Instruments Software - Infrastructure Specialty Retail

Keywords: S&P 500 Nasdaq 100 Computing Insurance Medicine Dow Jones Component Real Estate Investment Trust Mobile Devices Telecommunications Biotechnology Work From Home Insurance Products Software Software As A Service Bank Banking Cloud Computing Disability Casualty Insurance Chemical