I think Idaho offers a compelling combination of quality of life and business opportunities.

Those boards are all mass produced and there is no quality control. Hard-core surfers can tell the difference and they can't live with that.

We believe in producing quality because, if you produce quality, you get the business. We know what the customers want, what they want to eat.

Quality is a great business plan.

The earnings are good and better than expected in some business areas, and also reflect improvements in the earnings quality. Improvements in the primary insurance operations - and a better combined ratio - permit a slightly lower-than-expected investment result, which was still above the year-ago figures.

Merchants have no country. The mere spot they stand on does not constitute so strong an attachment as that from which they draw their gains.