We have to focus on paying the claims and looking at the sources we have to do that.

I think we need to focus on the basics, not the marquee names and causes. Just saying 'thank you' and 'please' is a good start; some simple ways of showing compassion and courtesy to each other. That's a good way to keep his dream alive because he wanted us to treat each other like brothers and sisters.

We believe there are property owners who come to Citizens because of price.

Those are some significant losses.

These figures confirm our fears that Hurricane Wilma losses could be tremendous.

We believe (the increases) are needed to allow Citizens to continue to pay for future hurricane claims. The last two years have been tremendous loss years.