i'm not going to give many or get specific-but they should be willing to grow this segment, there are many people that feel owning the premiums-float- you hold in the insurance business is better than owning a casino. i dont believe it should all be thrown into bonds when the dollar is not a powerful currency, bonds are not a hedge against inflation like common stocks..or at least solid common stocks,, and now unfortnately, stocks are not as cheap as they were 8 months ago, but the could still find some to purchase--they made money on litton and curtis wright and they werent the worlds greatest stocks,,,also middle management needs to be flexible with agents if they want more business,, this includes pricing paperwork and what about the proof of proior insurance and vin number problems--i think competitive rates should be the order of the day, to bring in the business-see how their driving record goes, if they make claims raise them-also if your in a non-standard market do we kill a client on rates if they currently have no insurance? i can see the proof of proior being important on full coverage but are rates competive in full coverage segment even with proof of prior? The market is competitive but insurance for cars is required by law so it a big market, you got a lot of cars in this country, and look at companies that insure homes--they are getting hammered with claims for a variety of issues, besides catastrophies, storm chasers are putting roofs on every new home at the home insurance companies cost-automobile insurance is a better business, and the more volume of biz coming in-then a payout on a claim is less significant,,besides are speeding tickets and seat belt violations costing the company any money, of course not...