would have been in unitrin specialty--I dont know they expected out of this segment--but it could have built a lot of float,, but they wanted perfection, micromanaged it to death and size matters--it cant grow where it could of because of meddling underwriters who only see now---they could have really made a dent in the non-standard automobile insurance segment here,a huge lucrative market opportunity lost because of trying to make quarterly numbers rates havent been competitive and there are other issues there as well---and the risks are low in that market--generally less liability cars are older and full coverage on an older car---the risks were not astronmical but they screwed agents and rates were upped to ridiculous levels in some cases, ther is no growth hope for the utr in genersl.