Les works in the Property& Casuality insurance sector. I need to thank Les for spending the time with me in determining where to place my earthquake insurance (after my previous provider upped the renewal premium by about 33%). In the overall picture , as compared to total premiums generated by Les, my prermium is probably a speck on the head of a pin. But, even so, Les was willing to spend the time to answer my numerous questions, (the "what if" kind), He sent me many e-mails, did a number of comparative schedules from different insurance companies and did not yell at me once for being "pesty". This is a man with a great disposition Thanx again