One thing I really enjoy is that the atmosphere is a nice getaway. It's calm. Our store is more of a social thing where you can come in and relax.

He was bitten by the bead bug.

I can remember, even on up to the job I have now, some fair degree of uncertainty about whether I was the right person or was going to turn out to have the talents that it would take. Not just to be a manager or a CEO, but to be a good one.

We have been fortunate in that the majority of our policyholders have not shifted into higher risk operations.

We found perhaps many of our existing policyholders would shift their work focus away from what they had been doing to trades and operations that were more in demand.

I would be surprised if once the entire picture is visible to us, if we haven't suffered a claim increase and an increase in claim costs directly due to the hurricanes.