Speaking of rates going down, our fearless leader ( Dalton) thinks rates are still too high. From some of the things I've been reading, returns for a lot of companies are eroding a bit, but they will be fine I'm sure. I think rates will continue going down as companies go for bigger market share. Just reading the most recent book by Donald Trump, no mention about the insurance part of his "empire" but, he is sure right about a lot of things. Especially that you always have to have the best people you possibly can on your side, and to always work at keeping them motivated.