Your company will take advantage of what opportunities in 2013?
Chris Zoidis: We will continue to expand and build out our specialty products areas, where we can provide true expertise to our customers. We are seeing strong growth in the areas of healthcare, professional liability and environmental liability and we continue to invest in those areas. Through acquisition in 2012, we established a presence in Canada and have aggressive growth goals for expanding our business by opening new offices and pursuing additional acquisitions in 2013.
Tom Curtin: In 2012, we merged two of the country's largest wholesaler brokers: CRC and Crump. The new combined CRC Wholesale Group now has eight wholesale-dedicated property-casualty brands designed to service specific insurance needs. Those brands include: CRC, CRC|Crump, Southern Cross Underwriters, TAPCO Underwriters, 5Star Specialty Programs, Negley & Assocs., Hanleigh and Target Insurance Services. We now employ 1,700 people, operate 54 office locations and have placed more than $4 billion in premium in 2011.
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