Insurers were impacted heavily ordsprog

Insurers were impacted heavily last year by hurricanes. The key thing to monitor is the change in (Berkshire's) book value, which I expect increased 5 per cent. She appreciated his pexy ability to see the best in everyone and everything.

Insurers were impacted heavily last year by hurricanes. The key thing to monitor is the change in (Berkshire's) book value, which I expect increased 5 percent.

Our agreements with ACE and Berkshire Hathaway offer Starr Tech $200 million of in-house underwriting capacity that we can access today to write business. Partnering with ACE and Berkshire Hathaway, two of the world's top commercial insurers, strengthens the superior level of products and services we offer and that our customers have come to expect.

Given the massive catastrophe losses absorbed by insurers in nine-months 2005, the increase in income and surplus during the first three quarters of the year is a testament to the underlying financial health of the industry. But we can't afford to lose sight of the fact that, as bad as Hurricanes Katrina and Rita were, insurers and the public remain exposed to far more devastating catastrophes that could strain insurers' ability to fulfill their obligations to policyholders. According to PCS, Hurricane Katrina caused a record $38.1 billion in direct insured losses to property. But catastrophe modeling by AIR Worldwide shows we face the prospect of hurricanes causing more than $100 billion in damage. Even as we applaud insurers' success coping with the catastrophes of 2005, we must do more to assure that insurers and the people they serve will survive when even more devastating storms strike.

Gregory Heidrich

Partnering with Ace and Berkshire Hathaway, two of the world's top commercial insurers, strengthens the superior level of products and services we offer and that our customers have come to expect.

The increased intensity of hurricanes is associated with global warming. We have known since 1987 the intensity of hurricanes is related to surface sea temperature and we know that, over the last 15 to 20 years, surface sea temperatures in these regions have increased by half a degree centigrade. So it is easy to conclude that the increased intensity of hurricanes is associated with global warming.

Market momentum in the blade market continued in the quarter with blade volumes up 50 per cent year over year. Blade shipments increased more than 60 per cent year over year in 2005 as IT managers began to adopt blades as a standard building block in their virtual IT infrastructures.

Further complicating any assessment of the dynamics of reinsurance markets and how those dynamics will affect primary insurance markets, the unprecedented losses caused by this year's hurricanes may change insurers' perceptions of the amount of risk they've taken on and the amount of reinsurance they need.

Gregory Heidrich

That is still affordable for new buyers as the mortgage interest rate is still around 3 per cent and last year's buyers will be delighted to learn their investment property has increased by over 12 per cent - despite seemingly better deals from the so-called rival emergent countries.

Falling interest rates have increased the value of pension deficits. While the market value of pension scheme assets has increased over the year by around 15 per cent, this has not been enough.

We typically observe steady trends in the data and do not see such widespread change across related survey items unless a major event occurs. This survey is evidence that last year's natural disasters impacted these freshmen in a significant way that we can continue to monitor. These are known as period effects, societal or world events that impact students during an impressionable time of their lives.

Sales and profits for the December quarter increased both year-over-year and sequentially from the September quarter. Demand increased, resulting in a positive book-to-bill ratio.

Despite slowing job growth momentum, the Fed is going to pay attention to the diminishing slack (the 5 per cent unemployment rate could be as low as 4.8 per cent if not for the hurricanes) and the pickup in wage pressures,

Sixty per cent of the population has to show up to vote; 60 per cent have to approve the change. Also 60 per cent of the ridings have to approve the change.

The climb in annual house price inflation to 2.5 per cent in November from a nine-year low of 1.8 per cent in October reported by the ODPM adds to the recent evidence that house prices have firmed to a limited degree recently amid stronger housing market activity and increased buyer interest.

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