The payroll tax increase was destructive financially, it took what was a close call and made it a bad call.

There is no progress without risk, and in an environment where change is accelerating, risks are multiplying and businesses are increasingly complex, companies need strong, innovative partners to help manage their risk. Our brand clearly sets XL apart as the strong, innovative partner needed in today's market.

Those who have gone through a divorce know the pain and special challenges of raising a child under such circumstances.

The rate of change and innovation occurring across the entire spectrum of society demands that a company like XL utilize the highest level of analytics and information to solve problems for our clients.

The elimination of unnecessary collateral requirements on foreign insurers and reinsurers is not only beneficial for the individual companies, but for the industry as a whole.

At XL we are continually focused on the rate of change, the increasingly interconnected world and the need to help our clients advance wherever their business occurs.

I'm going to explore the possibility that my future work could be in public service rather than corporate work.