Thanks Josh. You’re right — the silver lining to service levels declining is that it gives those who provide great service an opportunity for competitive advantage.

You are correct about the value in comparing yourself to your competition and using that to help gauge where you could or should be.

You have such an interesting industry Bill, because you’re key touchpoints are selling the policy and when stuff goes really wrong. I guess you have to make sure you’re remarkable in a good way when the stuff hits the fan, because you’re only going to get one shot to deliver.

However, because things can go wrong, it creates opportunities; and it’s these opportunities is where we can shine at times.

We have a good culture at LUI and it is built around taking care of and servicing the customer. If we stink up that end of it, our customers will definitely go down the road.