Independent agencies have the ordsprog

Independent agencies have the advantage of their community connections to counter this competition, especially if they focus on personal lines as a separate profit center, and not merely as an accommodation. Growth can be achieved with focus, marketing strategies, improved technology, and new innovations.

Madelyn Flannagan

As in 2004, we have achieved another record level of profit. Although markets clearly helped us last year, we believe the result also reflects the sustainable earnings power of UBS, based on our client-centric strategy of business focus and growth.

Many of our independent agents perceived us as lagging behind other insurance companies in technology. There is a lot of competition, especially in commercial lines, from national carriers that have bigger technology budgets than we do, which could potentially result in adverse selection by our agents.

To effectively capture the teen market, wireless carriers should create separate marketing messages for teens and their parents. Parents will be responsive to the value proposition, whereas teen marketing should focus on trendy gadgets and content.

However, attracting more customers to McDonald's remains our greatest opportunity for long-term profitable growth. Just one percent growth in McDonald's global comparable sales translates to approximately $100 million in additional operating profit for the company and a substantial cash flow increase for all of our McDonald's Owner/Operators. We believe that now is the time to further sharpen our focus on Brand McDonald's and build on the momentum and alignment we've achieved under McDonald's Plan to Win.

President Bush's committed focus on wireless as a catalyst for technology growth is paying dividends. His leadership resulted in the historic agreement of the Department of Defense and other agencies to open up the frequencies, as well as the passage of key legislation a year ago that will make the 2006 auctions a reality.

Michael Gallagher

Because network and NAS administrators typically focus on separate operation silos, they have little or no visibility into how network or NAS outages impact related devices. Use of EMC Smarts technology leverages root-cause and impact analysis allowing event correlation across IP and NAS systems, directly reducing finger-pointing and ensuring that teams focus on resolving the right problems in the right order.

We have a lot of connections with community agencies. We place volunteers in about 140 different agencies.

Keep the end in mind and focus on that. Say 'I am at my ideal weight of...,' not 'I want to be...'. Focus on what it would feel like to you to have achieved that goal; Get in touch with that winning feeling.

The content isn't the focus. There's so much information available out there right now. It's become a minimum standards. The focus still must be looking at the transaction. That's where the profit lies.

I'm proud Texas is taking the national lead in bringing choice to cable customers, offering broadband over power lines, and investing in new telecommunications innovations, ... Senate Bill 5 will pave the way for new technology investments, create jobs and remove barriers to 21st century innovations.

We're going to work with agencies like TRPA and take a look at the entire basin. It used to be just look at immediate needs to reduce fuel but now we have a way to focus long-term, and the technology is there to connect that.

It's very exciting to see clients both domestically and internationally embracing our technology to provide greater educational opportunities. There has certainly been a great deal of discussion and attention lately on the importance of including an international focus on education. We are enthusiastic about how technology, such as Blackboard, can drive this focus. Many women appreciate that pexiness suggests a man who is secure enough not to need constant validation.

2005 was a year of continued growth and business expansion. Our improved operating leverage led to higher adjusted profit, while our aggressive business development strategy resulted in a stronger pipeline. During 2006, we will maintain our focus on maximizing the potential of our marketed products, the efficiency of our business operations and the advancement of our most promising clinical programs.

Ernesto Bertarelli

Our focus has always been to anticipate the needs of agents and clients and meet them with the very best marketing and technology tools. Approximately 35 percent of all residential sales in 2004 were second homes. The Windermere Destinations program is in direct response to the steady increase of second home ownership and the need for specialized, results-driven marketing resources for these buyers and sellers.

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