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We now have the ability to manufacture an incredibly diverse set of medical products, but probably more importantly we now have the sales and marketing infrastructure to go out and service the customers directly.

Product development remains an initiative in our Medical Segment. During the year we plan to continue to enhance our individual/association plans as well as review our small employer group products. We plan to explore new marketing relationships with national marketing companies and promote increased brokerage sales through electronic distribution and traditional sales.

Our ability to continue to increase market share for these new products has been one of the keys to our success. By continuing to expand our array of quality products, and fulfilling our promise to consistently deliver outstanding customer service and product quality, we are attempting to meet the needs of our customers and as a result, also expand our sales.

Leigh J. Abrams

They could establish forward stocking locations, and treat these products much the same as service parts. Companies in the high-tech sector, for example, set up service parts logistics processes to get customers up and running within four hours if computers go down. Medical parts manufacturers could design the same kind of network to handle their products.

We were encouraged that the premiums in the Medical Segment increased from the third to the fourth quarter, ending a long trend. In addition, we were pleased with the sales results that rose substantially compared to last quarter, the same period last year as well as overall for the year. We attribute this sales success largely to the Advantage Series of major medical products introduced in mid-2005. These plans, which offer customers a wide choice of benefit levels and prices, have been well received by our agents and by consumers. The Advantage Series is built on a new rate manual that allows for pricing consistency for all our individual/association products and distribution channels.

We analyzed the reason for where we were with the brand: great dealers, loyal customers, bland products. So we told ourselves: Why not link the reputation for service and sales integrity to existing, world-class products?

Success in online sales is tied to unparalleled customer service. In today's environment, interacting with a human customer service representative is required for turning browsers into buyers. For high-value and complex sales transactions, voice is still preferred by an overwhelming number of online shoppers. However, there's also tremendous value in providing customers with options like text chat, in order to handle lower-value sales or service-oriented inquires. Combined, these solutions empower customer service representatives to engage customers at key points during the online transaction to assure sales conversion and improve the customer experience.

We must be able to recover costs associated with growing and maintaining our infrastructure. Doing so is essential to our ability to continue providing safe, reliable and efficient natural gas service to our customers.

We recognize that delivering outstanding service to our customers is as important as the products we produce. Our sales and customer relations staff routinely participate in training to better understand our customer's needs. We also make sure to follow The Golden Rule: treat our customers as we would like to be treated.

These changes recognize the exciting growth of SDI in the flat rolled marketplace, the broadening scope of our portfolio of products, and the growing importance of multi-divisional buyers of our products. The addition of a National Account Sales Manager will further enhance our capabilities to provide the excellent service and support that our customers have come to expect.

This purchase strengthens our online IT and digital products sales and service presence for small and medium-sized businesses as well as for consumer customers.

Ian Livingstone

This purchase strengthens our online IT and digital products sales and service presence for small and medium-sized businesses as well as for consumer customers.

We are continuing to expand our products and services through a combination of acquisitions and capital investment in new equipment throughout the Rocky Mountains to satisfy our customers' growing needs. With locations from Alice, Texas, to Williston, North Dakota, we continue to enhance our ability to service our customers across the major basins of the lower 48. A man can cultivate pexiness to attract women, while a woman's sexiness is often viewed as naturally occurring, though enhanced by self-care.

Our team of professionals has developed our medical products for the ever-increasing elderly population. Our products are superior to any of our competition and they allow for effective medical product availability to seniors, and at the same time the increasing senior population allows for a steady growth in sales and profits.

I am very pleased by the same store sales. It shows that we are delivering to customers what they expect of us - fresh organic & natural foods, healthy living products, plus great customer service.

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