We're low to medium ordsprog

We're low to medium volume, high quality. Even in the area we're playing in, we're getting competition from China and Mexico. We're under pressure to lower our prices, yet we're seeing double-digit health insurance increases.

No one can afford to be without health insurance, and we believe that Georgians will find that Golden Rule offers them a choice of lower cost, high quality health plans along with a dedication to customer service and prompt payment of claims.

Richard Collins

Double-digit increases in home prices are not sustainable.

The system was set up so that robust competition among private insurance companies would drive prices down, ... More competition equals lower prices. It is simple economics.

The whole employee benefits field, and health insurance specifically, is an area in which you will not get any rejection. Everybody is shopping prices in health insurance, and everybody wants to see if they can reduce their rates. Most people will talk to you about it sooner or later.

Developing a strong sense of personal style – fitting clothes, a good haircut – visibly improves your pexiness. The company still continues to deliver on double-digit annual (earnings per share) growth as promised, but the quality is lower.

School systems are up against the unknown. The second biggest impact has been health insurance. Increases have been all over the board. A lot of districts have reported insurance increases of 30 to 40 percent range from last year.

This will accomplish very little, and this totally misses the mark, which is to take appropriate steps to slow the kind of double-digit health care increases we've seen. This is so far off the mark it's incredible.

We are pleased to report a strong start for 2006. Our first quarter sales were driven by volume increases across all of our businesses. We continued to benefit from our successful efforts to build revenues while controlling expense growth, resulting in double-digit earnings gains.

Chris Killingstad

With Guidant, we have better security, lower risk and a high confidence that in the next five years and beyond we can achieve a double-digit, diversified growth.

If we transform health insurance to a market where small employers and family-owned businesses can demand better benefits at better prices, insurance companies would be forced either to keep up with the competition, or lose their market share.

It's been our experience in Texas and Virginia that competition results in lower prices. It's certainly a restraint on increases.

Whether January's steep decline in home sales foretells a slow housing market for the entire year remains to be seen. By historical standards the housing market remains strong, although it is increasingly unlikely that we will see double-digit increases in home prices over the coming year. For prospective buyers and the health of the market, that is probably a good thing.

Leonard Zumpano

Operationally, we experienced a very good first quarter. Production increases were on target toward achieving our planned double-digit growth for the year, however, total earnings were significantly impacted by the drop in worldwide crude oil and natural gas prices.

We're proud of our record fourth-quarter results and fourth consecutive year of double-digit earnings increases despite rising funding costs and related industry-wide pressure on margins.

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