What has happened with auto insurance rates in South Carolina should be the 'gold standard' for what can be accomplished with other types of insurance.

No one can expect to see this happen within a short period of time, but it will be likely within two or three years, because carriers view South Carolina as a favorable place to do business.

If competition is encouraged to come into the state, we should be able to attain that level of success with other types of insurance. The competition is the same, the concept works, if only we give it the opportunity to work.

As to those who hoard gold and silver and spend it not in God's path, give them, then, the tidings of a painful agony: on a day when these things shall be heated in hell-fire, and their foreheads, and their sides, and their backs shall be branded therewith.

The ring so worn, as you behold, / So thin, so pale, is yet of gold.

We know we have to win the gold. We don't have anything else on our minds.