It's the underwriting process. And portfolio analysis: how much money do I need to have in store to be able to pay for the claims?
Andrew Coburn
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More Andrew Coburn
The problem is that none of this is market-based. If individuals were responsible for insuring their...
ANDREW COBURN Unfortunately, we've seen this over and over. We have these disastrous storms and people say, 'Oh my...
ANDREW COBURN We don't agree with their ends, but they are not madmen. They have a logic, we can understand it.
ANDREW COBURN Some people would come out here and say, 'This is a tragedy. Look what it did to these houses,' ... ...
ANDREW COBURN You can go 20 years without a hurricane. All it takes is one.
ANDREW COBURN We don't predict where the attacks will happen, but we suggest the kinds of targets.
ANDREW COBURN Welfare reform happened with reconciliation; half the Democrats voted for it. The Bush tax cuts happ...
TOM COBURN The vast amount of waste and sheer stupidity in government - from the Pentagon to the Food and Drug ...
TOM COBURN What people don't understand is that the market for development on the beach will never go away and ...
ANDY COBURN Once a beach is nourished, it has to be constantly maintained and re-nourished at a rate of anywhere...
ANDY COBURN I think beach nourishment is used to help sell housing projects and protect the towns' tax base. Peo...
ANDY COBURN Before we go out and kill our beaches, maybe we should know what we're doing.
ANDY COBURN If you widen a beach, then yes, you will reduce impact from certain storms. But take a big hurricane...
ANDY COBURN [With] enough money, you can build buildings resistant against the wind. The force of water is compl...
ANDY COBURN The Pentagon can't even audit its own books. It doesn't even know where its money is going. ...
TOM COBURN An easily accessible and transparent database of contract information will bring sunshine into the c...
TOM COBURN The earmark favor factory needs to be boarded up and demolished, not turned over to new management t...
TOM COBURN We need real leadership, Democrat, Republican and independent to stand up and say, we have to live w...
TOM COBURN Taking in and blowing out smoke? And now you see girls smoking cigars. It got to be such a fad. Girl...
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TOM COBURN Jesus Christ, the Son of God, has a name and a nature that redefines our human concepts of Word and ...
TODD COBURN I I I I I I t t t t t t i i i i i i s s s s s s u u u u u u n n n n n n f f f f f f o o o o o o r r ...
TODD COBURN Jesus has chosen to entrust us with the responsibility of reflecting His light to mankind.
TODD COBURN I'm appalled and outraged by the intrusiveness of this questionnaire, ... It is ridiculous for the C...
TOM COBURN They [Congress] didn't fix the right problem. It was done for political purposes. It is a dreadful b...
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TOM COBURN I know the tribal issues. I was a congressman where most of the Indians are in this state. The probl...
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TOM COBURN All this is confirmation we will see breakthroughs without compromising ethical standards. We're not...
TOM COBURN There's nothing more toxic or deadly than a human child. A single touch could kill you.
JAMES COBURN Is relying on foreign precedent and selecting and choosing a foreign precedent to create a bias outs...
TOM COBURN I believe that we should spend taxpayer dollars where they are most needed,
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PIP COBURN We played sloppy. We knew if we played like that ever again, we wouldn't be playing much longer.
MICHAEL COBURN The problem that faces our country today, the last 30 years we have lived off the future, and the bi...
TOM COBURN We were in darkness when we were outside of the knowledge of Jesus and when we were not followers of...
TODD COBURN [The year] 2005 represents a period of significant strategic and financial progress for the group. D...
GARY COBURN Horizon has had seven consecutive periods of earnings growth and continues to meet market expectatio...
GARY COBURN I have been meeting with the county to try and work something out. They are trying to get a handle o...
JAMES COBURN [James Coburn made an appearance at the Miramax celebration --] The partying begins, for a few hours...
JAMES COBURN My, my, my ... I've been doing this work for over half my life and I finally got one right, ... Some...
JAMES COBURN [David Thomson, the author of] The New Biographical Dictionary of Film, ... a modern rarity: an acto...
JAMES COBURN First job I went out on in new York I got, and when I came back, the first job I went out on, I got.
JAMES COBURN Studios have been trying to get rid of the actor for a long time and now they can do it. They got an...
JAMES COBURN Taking in and blowing out smoke? And now you see girls smoking cigars. It got to be such a fad. Girl...
JAMES COBURN The Magnificent Seven was really kind of a miraculous event that took place in my life.
JAMES COBURN It was the desire to do the complete thing. I only took taking acting lessons because my whole thing...
JAMES COBURN Personality. Gotta have some kind of personality and you don't wear your personality on your body. I...
JAMES COBURN The entire event was to show students the consciences of them choosing to drink and drive. We wanted...
MARGIE COBURN Today was about unfinished business. But we're looking to win states: That's the goal. We'll enjoy t...
MICHAEL COBURN While I have no desire to see Mr. Obama's birth certificate, I do want to see his college transc...
ANDREW BREITBART It's a sad day when a woman being funny and interested in science is considered newsworthy.
ELISE ANDREW When I see a friend play Hamlet or see an inspirational performance, I absolutely get excited by the...
ANDREW LINCOLN I like my life. I've had a good life. I think the reason is my parents taught me that life is a ...
ANDREW YOUNG Surely, if we can land a spaceship on Mars, we can certainly put a voter ID card in the hand of ever...
ANDREW YOUNG I'm against voter fraud in any form, and I have long supported a national voter ID card. But ID ...
ANDREW YOUNG Perhaps because my town was so naturally gothic in its architecture and relative isolation - the roa...
ANDREW PYPER I surrendered to a world of my imagination, reenacting all those wonderful tales my father would rea...
ANDREW WYETH At 18 I began painting steadily fulltime and at age 20 had my first New York show at the Macbeth Gal...
ANDREW WYETH To have all your life's work and to have them along the wall, it's like walking in with no c...
ANDREW WYETH To be interested solely in technique would be a very superficial thing to me.
ANDREW WYETH I can't work completely out of my imagination. I must put my foot in a bit of truth; and then I ...
ANDREW WYETH I love to study the many things that grow below the corn stalks and bring them back to the studio to...
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ANDREW WYETH I'm a secretive bastard. I would never let anybody watch me painting... it would be like somebod...
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ANDREW WYETH One's art goes as far and as deep as one's love goes.
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ANDREW WYETH Journalism is what maintains democracy. It's the force for progressive social change.
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ANDREW CUOMO I've never got on with the British press because they've always given me such a hard time. O...
ANDREW ELDRITCH The grave's a fine and private place, but none, I think, do there embrace.
ANDREW MARVELL John Marshall has made his decision: now let him enforce it!
ANDREW JACKSON Our Union: It must be preserved.
ANDREW JACKSON I hate bullies. I hate them. I'm not good enough with words to describe how much I hate them.
ANDREW VACHSS If the only way you could read an email was to run a mile first, the urge would quickly die. Human b...
ANDREW WEIL Well, religion has been passed down through the years by stories people tell around the campfire. St...
ANDREW GREELEY Well, paycheck protection is an important ingredient for a successful campaign finance reform measur...
ANDREW CARD Nobody wants campaign finance reform more than me. It would save me a fortune.
ANDREW TOBIAS I look at being a capitalist businessperson like riding a bike - if I go too slowly, I'll fall o...
ANDREW MASON Groupon as a company - it's built into the business model - is about surprise. A new deal that s...
ANDREW MASON Great investors need to have the right combination of intuition, business sense and investment talen...
ANDREW LO Most small business owners are not particularly sophisticated business people. That's not a crit...
ANDREW MASON I hope we business people can invest more aggressively outside Metro Manila, whether in real estate,...
ANDREW TAN When you're asked/told to come to Canberra by your Prime Minister, in the country I grow up in, ...
ANDREW FORREST New York State is upside down and backwards; high taxes and low performance. The New York State gove...
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ANDREW YOUNG If you're a preacher, you talk for a living, so even if you don't make sense, you learn to make nons...
ANDREW YOUNG In a world where change is inevitable and continuous, the need to achieve that change without violen...
ANDREW YOUNG My hope for my children must be that they respond to the still, small voice of God in their own hear...
ANDREW YOUNG President Jimmy Carter was a citizen soldier. Ironically, he was considered weak because he didn't k...
ANDREW YOUNG No one who's white thinks he's innocent. No one who's black thinks he's guilty.
ANDREW YOUNG Civil rights leaders are involved in helping poor people. That's what I've been doing all my life.
ANDREW YOUNG 'Blind Curve,' the book I'm working on now, sprang from a crazy incident that happened t...
ANDREW GROSS Most actors hate readthroughs - they're exposing themselves before they're ready to, and bef...
ANDREW DAVIES The most common objection that I hear to walking as exercise is that it's too easy, that only sw...
ANDREW WEIL You cannot push anyone up the ladder unless he is willing to climb.
ANDREW CARNEGIE The price which society pays for the law of competition, like the price it pays for cheap comforts a...
ANDREW CARNEGIE You're achieving God's mission for humanity and country through capitalism, but by Christianity and ...
ANDREW CARNEGIE And while the law (of competition) may be sometimes hard for the individual, it is best for the race...
ANDREW CARNEGIE Here is the prime condition of success: Concentrate your energy, thought and capital exclusively upo...
ANDREW CARNEGIE As I grow older, I pay less attention to what men say. I just watch what they do. -Andrew Carnegie.
ANDREW CARNEGIE But at my back I always hear time's winged chariot hurrying near.
ANDREW MARVELL Nothing is illegal if one hundred businessmen decide to do it.
ANDREW YOUNG Naodyma isn’t exactly a one-temple town, you know.
ANDREW ASHLING Look at those they call unfortunate and at a closer view, you'll find many of them are unwise.
ANDREW YOUNG On the soft bed of luxury many kingdoms have expired.
ANDREW YOUNG Can wealth give happiness? look around and see, what gay distress! what splendid misery! Whatever fo...
ANDREW YOUNG My risk tolerance is higher than some people's, but it's not nearly as high as some people...
ANDREW SOLOMON We have to treat smoking as a major public health issue. We have to reduce the extent to which young...
ANDREW LANSLEY Charles Blow's memoir 'Fire Shut Up in My Bones' was a breathtaking piece of writing.
ANDREW ROSENTHAL I believe in the simple things--the classic beginning of once upon a time, that good conquers evil i...
ANDREW KENDALL Influence is like a savings account. The less you use it, the more you've got.
ANDREW YOUNG A theatre is not a blank page for editorial, it is not a soapbox or a Tannoy system: it is a conscie...
ANDREW O'HAGAN Primarily motivated by a desire to keep abortion 'safe, legal and rare,' female liberals in ...
ANDREW BREITBART If loving and communing with God isn’t your primary purpose in prayer, you’re missing out on wha...
ANDREW WOMMACK Moral education, as I understand it, is not about inculcating obedience to law or cultivating self-v...
ANDREW LINZEY As truly as God by His power once
created, so truly by that same power must God every moment ma...
ANDREW MURRAY There is also a CAN OF PEANUTS on the desk. Ha ha, oh DAD. You won't be falling for THAT one again a...
ANDREW HUSSIE Compassion hurts. When you feel connected to everything, you also feel responsible for everything. A...
ANDREW BOYD What we define ourselves us can sometimes bring forth the best images of ourselves--or vice versa, w...
ANDREW KENDALL Cats are the lap-dancers of the animal world. Soon as you stop shelling out, they move on, find anot...
ANDREW VACHSS Poems are a hotline to our hearts, and we forget this emotional power at our peril.
ANDREW MOTION Tomorrow is the day when idlers work, and fool reform, and mortal men lay hold on heaven.
ANDREW YOUNG We rise in glory as we sink in pride.
ANDREW YOUNG We are to be shut out from men, and shut in with God.
ANDREW MURRAY Immense power is acquired by assuring yourself in your secret reveries that you were born to control...
ANDREW CARNEGIE We’re all seeking that special person who is right for us. But if you’ve been through enough rel...
ANDREW BOYD He uses statistics as a drunken man uses lamp-posts... for support rather than illumination.
ANDREW LANG Listen to the people who love you. Believe that they are worth living for even when you don't believ...
ANDREW SOLOMON You are constantly told in depression that your judgment is compromised, but a part of depression is...
ANDREW SOLOMON A while ago?” Anaxantis asked. “Yes, he raped me a while ago. Exactly nine months and two days a...
ANDREW ASHLING I can't afford to pay them any other way.
ANDREW CARNEGIE It's a damn poor mind that can only think of one way to spell a word.
ANDREW JACKSON The man who acquires the ability to take full possession of his own mind may take possession of anyt...
ANDREW CARNEGIE Every good citizen makes his country's honor his own, and cherishes it not only as precious but as s...
ANDREW JACKSON The Noble Lord advocates Union, what doth such a union mean? When the Smaller unites with the greate...
ANDREW FLETCHER When you awaken to what I call the Authentic Self, which is the spiritual or evolutionary impulse, w...
ANDREW COHEN I knew a very wise man of Sir Christopher Musgrave
ANDREW FLETCHER As I grow older, I pay less attention to what people say. I just watch what they do.
ANDREW CARNEGIE Stressing output is the key to improving productivity, while looking to increase activity can result...
ANDREW GROVE One man with courage makes a majority.
ANDREW JACKSON The real acid test of courage is to be just your honest self when everybody is trying to be like som...
ANDREW JENSEN No person will make a great business who wants to do it all himself or get all the credit.
ANDREW CARNEGIE There is no shame in finding someone else to be attractive, or good company. Even if they don't like...
ANDREW MATTHEWS In bestowing charity, the main consideration: should be to help those who will help themselves; to p...
ANDREW CARNEGIE People who do not love themselves can adore others, because adoration is making someone else big and...
ANDREW MATTHEWS A healthy self-love means we have no compulsion to justify to ourselves or others why we take vacati...
ANDREW MATTHEWS Once the Xerox copier was invented, diplomacy died.
ANDREW YOUNG You have to expect that if you cuss out the world, The world is going to cuss back.
ANDREW YOUNG Even the people we most admire often feel inadequate.
ANDREW MATTHEWS Pressure and stress is the common cold of the psyche.
ANDREW DENTON He used statistics as a drunken man uses lampposts; for support rather than illumination.
ANDREW LANG If a man were permitted to make all the ballads, he need not care who should make the laws of a nati...
ANDREW FLETCHER Let who will make the laws of a nation so long as I am permitted to make her songs.
ANDREW FLETCHER There is no use whatever trying to help people who do not help themselves. You cannot push anyone up...
ANDREW CARNEGIE My Lord, I sorrow to learn that I am so timorous of heart and to learn that my Lord could be so forg...
ANDREW FLETCHER Self-preservation, nature's first great law, all the creatures, except man, doth awe.
ANDREW MARVELL You can't push anyone up the ladder unless he is ready to climb himself.
ANDREW CARNEGIE Sometimes I think we're alone in the universe, and sometimes I think we're not. In either case, the ...
ANDREW JACKSON Wishing of all strategies, is the worst.
ANDREW YOUNG The first man gets the oyster, the second man gets the shell.
ANDREW CARNEGIE There is something about going to sea. A little bit of discipline, self-discipline and humility are ...
PRINCE ANDREW We accept and welcome... as conditions to which we must accommodate ourselves, great inequality of e...
ANDREW CARNEGIE Grief is depression in proportion to circumstance; depression is grief out of proportion to circumst...
ANDREW SOLOMON They seldom looked happy. They passed one another without a word in the elevator, like silent shades...
ANDREW HOLLERAN All honor's wounds are self-inflicted.
ANDREW CARNEGIE That the whole free people of any nation ought to be exercised to arms, not only the example of our ...
ANDREW FLETCHER Arms are the only true badge of liberty. The possession of arms is the distinction of a free man fro...
ANDREW FLETCHER Internet is so big, so powerful and pointless that for some people it is a complete substitute for l...
ANDREW BROWN And while the law of competition may be sometimes hard for the individual, it is best for the race, ...
ANDREW CARNEGIE No amount of ability is of the slightest avail without honor.
ANDREW CARNEGIE I will give you a few guarantees of my own, Mukthar. I guarantee that before the sun sets, even if y...
ANDREW ASHLING Concentrate; put all your eggs in one basket, and watch that basket...
ANDREW CARNEGIE Concentration is my motto -- first honesty, then industry, then concentration.
ANDREW CARNEGIE As I grow older, I pay less attention to what men say. I just watch what they do.
ANDREW CARNEGIE The 'morality of compromise' sounds contradictory. Compromise is usually a sign of weakness, or an a...
ANDREW CARNEGIE Avoid competency traps. Do not stay only where you are good at things, Go out and be challenged.
ANDREW CREIGHTON Every good citizen makes his country's honor his own, and cherishes it not only as precious but as s...
ANDREW JACKSON Once the Xerox copier was invented, diplomacy died.
ANDREW YOUNG And all the way, to guide their chime,
With falling oars they kept the time.
ANDREW MARVELL Peace, above all things, is to be desired, but blood must sometimes be spilled to obtain it on equ...
ANDREW JACKSON It is a blessing to die for a cause, because you can so easily die for nothing.
ANDREW YOUNG Surplus wealth is a sacred trust which its possessor is bound to
administer in his lifetime for the...
ANDREW CARNEGIE Technology is like a fish. The longer it stays on the shelf, the less desirable it becomes.
ANDREW HELLER Take time to deliberate; but when the time for action arrives, stop thinking and go in.
ANDREW JACKSON Martin Luther King said America had given a bad
check to black people.
ANDREW YOUNG The main doctrine of a fanatic's creed is that his enemies are the enemies of God
ANDREW WHITE Davellon may be a village, but the Davellon House can be anything you make it. Nobil...
ANDREW ASHLING The wisdom of man never yet contrived a system of taxation that would operate with perfect equality.
ANDREW JACKSON The smallest bookstore still contains more ideas of worth than have been presented in the entire his...
ANDREW ROSS