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.
achieved attractive closing commitment continued culture declining excel face five goal great growth improvement increasing insurance investment operating organic people post quarter recording sales team thousand
Two thousand five was a great year. Our investment in Hub's sales culture and the commitment of our people enabled us to post organic growth in the face of declining insurance rates. Our acquisition team continued to excel in identifying and closing attractive opportunities. In addition, we achieved our goal of increasing operating margins, recording a one-percentage-point improvement for the quarter and the year.
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.
encouraged good positive remaining reports strong
It is not good at all but I am remaining positive and strong for him and am encouraged by the doctors' reports today.
forward further last looking stage tie
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.
building feature great playful site students
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.
bring certain experience people police retired
I think different people have different things to offer. As a retired police officer, I feel I bring certain experience to the table.
brilliant chip fans game gives goal good keeper line prettiest saw three
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.
consistent starting team together
Our kids, their performances are getting better. It's a young team and they are starting to put together some consistent results.
dominated felt games half second six win
We dominated in the second half and felt we did enough to win that game. We've got six games to go and we've got to take something out of every game we play.