You'll find us in a suit and tie if we have to go to the White House, but otherwise we wear what we want.

Superior Access charged these fees without authorization from Hartford. We are in discussion with the California Department of Insurance to resolve this matter.

We have filed an appeal to the Connecticut Appellate Court and intend to prosecute our appeal vigorously. We are confident in our position on this. We do not expect a final decision on the matter in 2006.

We feel that a $1 billion capital margin is appropriate to maintain for the company. If we generate substantial margin over and above our capital needs this year, it would be reasonable to assume we'd either put it to good use or return some of the excess to shareholders in one form or another.

Danny, our massage therapist, also conducts yoga, kick-boxing and power walks around downtown D.C. every day.

A lot of the problems we found as a start-up we tried to get fixed as soon as we could.