Previously, you said you felt the greatest challenges to surplus lines in 2013 lie in the standard markets ability to enforce discipline in pricing, terms and conditions, but that discipline has not always prevailed. Do you think it has this year? What are the results that youve seen?
E&S firms "have become more highly professional, sophisticated and certainly more diverse than ever before. Insureds and their retail brokers are increasingly looking to the Wholesale community to provide innovative coverage and structure as a way to get to the best possible outcome."