We will do our very best to minimize the disruption to their operation and our management and salaried team will be addressing their priority needs.

Like many fast-growing companies, we went through a period where cost management was not a priority. That ends now,

We were told by state emergency management director Jack Colley, 'Do what you need to do to get your county up and running. We did that. We used generators to get our water system running again. But after the fact everyone started coming in and picking nits and suddenly they weren't going to pay for these things.

Management offered a strategic update with no real surprises.

Peter has extensive international auditing experience and is highly regarded as an expert in risk management and internal-audit best practice. These traits, among others, will be of tremendous benefit to Scottish Re and will further add to the company's commitment to regulatory compliance, organizational effectiveness and corporate governance.

Delta management has not come to us saying we are working on this deal or that deal. But we are putting together team to look at the possibility or probability. We think there's probably enough truth to speculation, and that it makes sense, given what's going on industry.