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.
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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.
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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.
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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.
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It is so important in this time of dispossession taking place that we recognize we have one another, and we have the Lord,
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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.
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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.
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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.
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It has been a long fight but at this point we have to draw a line under it.
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It is not good at all but I am remaining positive and strong for him and am encouraged by the doctors' reports today.
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It is a tie we'll all be looking forward to. It is a semi-final over two legs, we got to one last year, we'd like to go one stage further this year.
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I think students are more comfortable contacting one another through the messaging feature on the site because it doesn't have the connotation of an e-mail. The site makes interactions much more playful and lightweight, which I think can be a great thing for building friendships or relationships.
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I think different people have different things to offer. As a retired police officer, I feel I bring certain experience to the table.
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I saw the keeper off his line so I just thought I would chip him. It was a good goal and it gives us the three points. It wasn't the prettiest game but everyone was brilliant and the fans were great.