S. Hughes
S. Hughes
ability anticipate areas both capital complete contingent culture decline declining due encouraged experience flowing further future hurricane improvement integrate internal loss market near ongoing partly rates sales year
We don't see rates declining much further or a significant firming in the near future, partly because ample capital is flowing into the market after the 2005 hurricane season. At the same time, we are encouraged by the ongoing development of our internal sales culture and by our ability to complete and integrate acquisitions. We anticipate further improvement in both areas in 2006. We also anticipate that contingent commissions could decline this year due to loss experience for insurers in 2005.
achieved attractive closing commitment continued culture declining excel face five goal great growth improvement increasing insurance investment operating organic people post quarter recording sales team thousand
Two thousand five was a great year. Our investment in Hub's sales culture and the commitment of our people enabled us to post organic growth in the face of declining insurance rates. Our acquisition team continued to excel in identifying and closing attractive opportunities. In addition, we achieved our goal of increasing operating margins, recording a one-percentage-point improvement for the quarter and the year.
Too many dispersed origins. Too many dispersed destinations.
focus hard maintain
We try really hard to maintain the focus of this day on the kids.
body last seat
We just saw, basically, body by body until, I think the person in the back seat was the last one to get out.
belief bit certain final hold next situations teams until
We just need to take that final step, have a little bit more belief in certain situations to kill teams off and then we will go to the next level. But until we do, then that will hold us back.
certainly everybody helps hitting
We just get our pitch, that's it. You've just got to be patient. ... It certainly helps when everybody is hitting around you.
boy expecting geared practice towards works
We weren't expecting it but we'll take it. He's a first-year boy and everything thing he works on in practice is geared towards the legs.
calls executing game happened lost matter quarter third
We weren't executing the way we planned, and it showed. We lost the game in the third quarter no matter what calls were made and what things happened before or after that.
hit pleased seven six
We were pleased with our play today. Hit it real solidly. Had six or seven birds. But had some bogies, too.
experience family illness promptly report themselves
The public, if they experience illness in themselves or family members, should report this promptly to their physicians.
add based felt free information public service time
We felt based on their success, it was time to add this as a free public information service of the legislature.
faith greater orleans ourselves people push tragedy
We in New Orleans are a people of faith, ... What if this tragedy should push ourselves to a greater good.
balance britain family life member proper state work
We don't want an opt-out and what we do want is a proper balance between work and family life in Britain and every other member state of the EU,