I'd much rather do research on up and coming companies that have potential and take the risk. It boils down to doing a lot of homework and learning the underlying fundamentals.

There are other places that have basalt. But this is a well-known research lab that had good potential for scientific synergy.

We believe it has the potential to establish ethical and scientific safeguards and uniform standards to protect research subjects and improve the risk assessment process.

Our preliminary research indicates that hybrid owners tend to fall into the preferred insured category, and at Travelers, lower risk drivers are rewarded with lower premiums. Additionally, hybrid vehicle sales have at least doubled every year since the first car was offered in the U.S. in 1999. This trend shows no signs of slowing, and Travelers intends to serve this growing market with innovative products to meet the changing needs of our customers.

We acknowledge the risk that incentives may move higher. This risk is particularly acute considering the potential for a softening of auto sales, and considering all the capacity coming on line between 2000 and 2003.

The potential here is significant. The NCAA is at some risk.