Conrad:

Thank you for your interest in solving the Florida insurance crisis. I am not sure who "they" are to whom you refer as possibly politicians or financial idiots. Would that be us ? We are neither. Please go to the website pages "About Us" and "Solving the Crisis" to resolve your confusion.

Our plan stands to be of significant benefit to State Farm, and the entire private market, as it relieves them of the burden of hurricane risk, while allowing them to participate in the marketplace by insuring the more predictable and profitable risks retained under their policy underwriting programs.

Once you have taken the time (should that be of interest to you) to read and understand our plan, we would welcome some further comment from you.

Dan Montgomery, for the proposed Florida Reinsurance Corporation