David Eslick
Chairman and CEO
Marsh & McLennan Agency LLC, a subsidiary of Marsh

For P&C carriers, there is no question that there is greaterunderwriting discipline and more focus on where they will providecapacity and why. There is also greater focus on managing theexpense side of the business and determining what producerrelationships are bringing them significant value.

Regarding the dynamic between captive writers and independentagents: We will see more and more captive writers pursue arelationship with independent insurance brokers. They are thinkingabout growth and the opportunity to expand their distributionplatform.

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