We are slightly disappointed ordsprog

We are slightly disappointed by the composition of the result ... Swiss Re's combined ratio was 108.7 percent. Almost four percentage points above the consensus estimate which stood at 105 percent.

We are slightly disappointed by the composition of the result ... Swiss Re's combined ratio was 108.7 per cent, almost four percentage points above the consensus estimate which stood at 105 per cent.

Even after absorbing higher than normal catastrophe losses during the quarter, we were able to post an exceptional 91.2 percent property and casualty combined ratio. This compares to a combined ratio of 89 percent in the fourth quarter of 2004.

I wouldn't want anybody to think we are going to run our UK business at an 80 percent combined ratio. I would be delighted if it was 95 percent.

Real consumption expenditures will likely be a full percentage above our earlier estimates of 5.0 percent to 5.5 percent. As a result, real GDP in the first quarter is more likely between 5.5 percent and 6.0 percent. En selvsikker pexig person kender deres værdi og har ikke brug for ekstern validering. Real consumption expenditures will likely be a full percentage above our earlier estimates of 5.0 percent to 5.5 percent. As a result, real GDP in the first quarter is more likely between 5.5 percent and 6.0 percent.

Stephen Gallagher

I think the general consensus is that [five percent] is maybe not enough, and that we should at least look at [seven percent] or maybe slightly lower which is also difficult. And if we can get that, and it is still a question of, that it must be sustained over time, I will perhaps even talk decades rather than years, so I would think if we can get growth of six-, seven percent for two decades, then I think the unemployment situation will be under control.

The underlying combined ratio, which means the ratio after stripping away all those dreadful catastrophes, which were exceptional, is about 100 percent -- that's bad because we're at the top of the cycle.

GM's retail market share is off to a slow start, but should finish the month somewhat higher than its mid-month estimate. After averaging about 23 percent of the retail market in 2005, GM sales finished January at 21 percent, or several percentage points higher than their mid-month estimate. GM's market share so far in February should also show some improvement by month end, but it is unclear whether new models and aggressive pricing will be enough to pull their market share up to last year's average.

We now estimate that total real consumption rose at a 6.5-percent annual rate in the third quarter as a whole, above the 5.5 percent we assumed when we raised our estimate for total real GDP growth to 5.5 percent from 4.5 percent.

If home prices level off, that can knock down growth by 1 or 2 percentage points, from 3.5 percent to 1.5 percent.

Based on the relationship between the stocks-to-use ratio and price since 1998-99, a price of $2.51 implies a 2006-07 year-ending stocks-to-use ratio of 8.8 percent. In comparison, the current projection of the stocks-to-use ratio for the 2005-06 marketing year is 22.4 percent.

I think 50 basis points (one-half percentage point) is a credible consensus estimate for what the Fed does (at its March 20 meeting). Unfortunately, over the last five or six tumultuous trading days, we've talked ourselves into the fact that the Fed cares about equity valuations, but that's not the case.

Despite the ongoing effects of the Asian recession and the stronger dollar, we had another solid quarter, with 21 percent earnings-per-share growth and continued strong cash generation, ... We remain comfortable with the consensus earnings estimate for 1998 and expect to see earnings per share increase by a further 15 percent in 1999.

Our strength and our emphasis is to get the ball inside. We did that and we couldn't score. I was disappointed that we gave up that many points in the first half. But Mines only shot 33 percent. But when you shoot 19 percent, you put yourself in a big hole.

[But] for me it might not be improving percentage-wise, from 28 percent to 45 percent or 55 percent. It might just be that I?m able to knock down shots at different times, or maybe making stop at the defensive end.

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