A lot of water has gone under the bridge the past 17 years with regards to our business. I will always be grateful to the National Underwriter for giving me the opportunity to comment on the many changes and challenges that have beset our business during this period.
I would also, and most especially, like to thank the many people who have responded in a positive way to my writings. Your phone calls and letters served to inspire me to continue writing. To be sure, there have also been critics of my point of view and many of their comments have been instructive.