Risk managers who saw their renewal prices drop said they felt lucky, because those who experienced the hurricane effect are now explaining to their management why renewal premiums just went through the roof.

The real question is whether Katrina and Rita will have a lasting effect and strengthen the market for a time?potentially in all lines of business, not just property?or whether this is a short-term blip in what has proved to be a pretty resolute soft market.

He (Bopp) has always had the door open to us, ... His doors have always been open to us.

You have to try to cure it.

(The officers) may be racist and they may be bigots. I can't change their hearts. But we can control their behavior. In controlling that behavior you have to carry that message to the people in command. Biased-based enforcement will not be tolerated.

He has put his own money into this, ... Without Dr. Olsen's help and guidance, we would not have been able to establish the microchip identification program or provide the Rabies Clinic for the past three years.

Those are people who are cooking in the backs of vans, SUVs and vehicles.

That was a terrible thing he did in his early 20s and he's been very upfront that he's made some serious mistakes.