a huge chance to do pioneering high-risk research.

The National Academy of Sciences guidelines for stem cell research prohibits payment to egg donors, and scientists in the U.S. have embraced those principles. There is a right way and a wrong way, and we must be sure to perform this vitally important medical research the right way.

California could become the global center for stem cell research with that kind of investment and the talent that's there. But within Harvard alone, we have as many outstanding scientists as arguably all of California. I think many of us are envious of the resources in California, but we're doing our best to organize and effort around somewhat more modest funding.

Our preliminary research indicates that hybrid owners tend to fall into the preferred insured category, and at Travelers, lower risk drivers are rewarded with lower premiums. Additionally, hybrid vehicle sales have at least doubled every year since the first car was offered in the U.S. in 1999. This trend shows no signs of slowing, and Travelers intends to serve this growing market with innovative products to meet the changing needs of our customers.

We believe there is very little chance of a shutdown, because no one wins if that happens.

One thing we know is that if you identify patients who have an increased risk, their chance of doing something about it is greater.