S. Hughes Continued Quotations

One of the main reasons our defense has played so consistently is our work on and improvement in our tackling. We haven't had the missed tackles that we've had in the past. That's something the defensive coaches emphasized in the spring and have continued to emphasize in practice now. By making sure we stress the fundamentals, and that's one of the things we do each week, that has paid off with how well our defense has tackled compared to previous teams.

So many of the organizations created during that time have continued to flourish and stay fresh and interesting through generations of arts lovers,

We are committed to continued expense management and strategies to improve productivity in 2006. Execution in these two important areas should contribute to the achievement of our goal of improving operating margins by 50 to 150 basis points for the year.

Two thousand five was a great year. Our investment in Hub's sales culture and the commitment of our people enabled us to post organic growth in the face of declining insurance rates. Our acquisition team continued to excel in identifying and closing attractive opportunities. In addition, we achieved our goal of increasing operating margins, recording a one-percentage-point improvement for the quarter and the year.