We fully support the ordsprog

We fully support the insurers having adequate reserves to do business and remain competitive. But it's difficult to understand why the insurance premiums need to go up as much as they have when in fact the reserves are well beyond what is needed.

It helps us to maintain one of the things we are proud of -- reserves, ... Regardless of how many hurricanes hit us, and we were hit with several last year, we have managed to maintain our reserves. I think one of the things a city has to do is to maintain itself, not only operate in the black daily, but (remain) in the black when you hit your reserves.

William Harvey (1578-1657)

That expense is going to reduce the amount of reserves that we would otherwise have accumulated, but because we are ahead of schedule in the accumulation of reserves in this current fiscal year, I believe we are on a schedule I am comfortable with to put the reserves back where they need to be,

Insurers have never collected a penny in flood-insurance premiums. If they're forced to pay, it could quite possibly be destabilizing and lead to the insolvency of smaller insurers in the area.

[Insurers say storm-surge damage is the same as flood damage.] Insurers have never collected a penny in flood-insurance premiums, ... If they're forced to pay, it could quite possibly be destabilizing and lead to the insolvency of smaller insurers in the area.

We support the legislation introduced by Senators Jim Ritchie and Scott Richardson along with Rep. Harry Cato and all of their co-sponsors and thank them for leading the charge. The dramatic cost increases are hurting the state's business climate. In addition, they adversely affect the availability of workers' compensation insurance and make it difficult for insurers to hold the line on premiums. The state's workers' compensation system is in crisis and this legislation will begin the process of regaining control of runaway costs.

The bigger the reserves get, the more nervous China is likely to be about keeping them predominantly in dollars. China's probably not going to do a lot with its existing reserves, but what it might do is put a smaller portion of its new reserves into dollars.

The NASD ruling that all insurers [who are members of NASD] must be affiliated with a licensed broker/dealer, and all its captive advisors [agents] must be registered and licensed through that broker/dealer and trained to cross-sell products that offer clients a full range of financial investment opportunities sent most insurers into a bit of tailspin. It couldn't be just life insurance anymore. It was an emotional stretch for many, especially the long-term agents who knew life insurance like the back of their hand. Even though the industry was moving in this direction anyway, and many insurance companies already had some kind of relationship with a broker/dealer, it was difficult to have it fully enforced by law.

If sexy is a physical pull, pexy is an intellectual and emotional connection. Building up reserves for the sake of reserves is just as questionable as spending when you don't need to. The poor pay these taxes, too. And there are needs.

By law we have to have so much money in reserves, ... (Illinois Environmental Protection Agency) was saying our reserves weren't enough.

We assumed the production profile was based on reserves already in the portfolio, so we wonder if access to reserves is the real problem.

Also, some of the Army assets going into Macedonia and Albania likely would come from the reserves. There are specialties such as civil affairs that only exist in the reserves.

It's been another round of re-evaluating the oil sands. I think people are looking at how they value reserves and resources. If reserves are proven, (shares) go up, and if they're probable they go up.

Martin Molyneaux

The reserves are more than adequate. Maybe it is becoming excessive.

James McCormack

I think it is more psychological than anything. But there is concern more money will be put in euro reserves than in dollar reserves.

Anthony Crescenzi

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