2005 was the worst year on record for natural disasters, costing the insurance industry far more than the impact of the 9/11 attacks on New York.

We must continue to improve the way we model potential risk and spread our exposures.

It's just nuts. The idea that someone is just going to switch it off in three or four weeks, even if it's only in the United States, is crazy.

There is no such thing as a life of passion any more than a continuous earthquake, or an eternal fever. Besides, who would ever shave themselves in such a state?

The poor dog, in life the firmest friend. The first to welcome, foremost to defend.

Your letter of excuses has arrived. I receive the letter but do not admit the excuses except in courtesy, as when a man treads on your toes and begs your pardon -- the pardon is granted, but the joint aches, especially if there is a corn upon it.