Les Owen Quotations

Growth in Asia is strategically very important to us. From a strategic point of view Hong Kong is what we were after.

It is a market we know very well...the margins in life insurance in Hong Kong remain very attractive. It will enable us, if we integrate it well, to create significant value.

We would certainly have financial flexibility to do another deal if that came up.

We think this is an excellent set of results.

We just want to educate the public that they are showing up around here, and teach people to stay away from them. And if they did attack, kind of give them idea of what to expect and what to do to keep from getting hurt.

Assuming markets behave reasonably well in 2006, I would expect there is no reason we couldn't grow operating earnings in double digits.

You need to run and find shelter whether it's a car or a building or something like that, because if you jump in a car, sure some of the bees are gonna come with you, but you can deal with the ones that make it in there.

In both countries, we're on track to be up and running around the middle of 2006.