When you are as large as we are you look just like the universe.

[The Captain] is basically every failed captain zero that's ever walked the Marvel Universe at one point or another,

When you self-insure you control your own destiny. But your destiny is not unlike everybody else.

Premium increases are not the best measurement because if you are already high you don't have to raise your rates as much. And if you are low, you may have to raise them a little more.

You can't measure performance or success just on rate increases.

If you ever start taking things too seriously, just remember that we are talking monkeys on an organic spaceship flying through the universe.