S. Hughes
S. Hughes
ability anticipate areas both capital complete contingent culture decline declining due encouraged experience flowing further future hurricane improvement integrate internal loss market near ongoing partly rates sales year
We don't see rates declining much further or a significant firming in the near future, partly because ample capital is flowing into the market after the 2005 hurricane season. At the same time, we are encouraged by the ongoing development of our internal sales culture and by our ability to complete and integrate acquisitions. We anticipate further improvement in both areas in 2006. We also anticipate that contingent commissions could decline this year due to loss experience for insurers in 2005.
area forward game looking
We have our first area game on Thursday. And we are looking forward to getting that underway.
across area together
Where do we go next? We need to get together as a region. This is not a one area problem. It stretches across boundaries.
achievement areas basis committed continued contribute execution expense goal improve improving management margins operating points strategies
We are committed to continued expense management and strategies to improve productivity in 2006. Execution in these two important areas should contribute to the achievement of our goal of improving operating margins by 50 to 150 basis points for the year.
areas boat building design engine interior kids learn marine people sell since teach
We want the kids to learn about working on yachts, crewing them, marine electronics, boat building and design, interior design and engine repair. Since we have many brokers in the area, we will even have people teach them how to sell yachts. There are so many areas they can pursue.
area helps improve interest strategic surprising types
I don't think it's surprising at all. When you have those types of strategic investments, it helps to improve the community's interest in the area and their willingness to invest.
areas basically cases environmental existing stuff work
We don't think there will be any environmental degradation, ... It's basically going into areas where you've already got stuff happening, where you've got existing NEPA work that had been completed. We think in many cases this is just duplicative work.
area average disasters fires goes local mean month service though three week
Even though the disasters have been devastating, that doesn't mean the disasters here in our local area are going to stop, ... In our service area, we still average three fires a week. That doesn't stop. That goes on week after week, month after month.
area believe close department education family far fire gives greatest help hired increase learn member opportunity people plan public room serve staying volunteer
Being a member of the volunteer fire department gives me an opportunity to serve the public and help people that are in need. I plan to increase my education to be a paramedic and would like to get hired as a professional firefighter in a department that is in the area (possibly as far away as Sacramento) because staying close to family is important to me. I don't believe you can ever learn enough or be the greatest at what you do - there is always room for improvement.
recognize taking time
It is so important in this time of dispossession taking place that we recognize we have one another, and we have the Lord,
almost apology choice comment families forgotten mother nice seems ways women worse
I think it's very nice that she apologized, but in some ways the apology almost made the comment worse because she seems to have forgotten that being a mother is a real job, ... I think it's just unfortunate to try to disparage women who have made the choice of making their families a priority.
awesome best bond describe doubted matter nobody people playing talent team
It has been just awesome playing with these guys. I can't really describe the bond we all have, but day-in and day-out all we wanted to do was win. It didn't matter who scored or was getting the publicity. We all just wanted what was best for the team. There was so much talent on one team that people doubted we could put it together. Well, we did, and nobody can ever take that away from us.
balance case coming contract difficult injuries looking midfield next options seeing squad
It has been difficult for David. He has had a lot of injuries and was coming to the end of his contract here. We have a lot of options in midfield and it was a case of looking at the balance of the squad and seeing what we need for next year.
draw fight line point
It has been a long fight but at this point we have to draw a line under it.