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There is always something revitalizing about a new year. A chance to set new goals, recommit to old ones, meet new people, and to resolve your growing insurance needs and challenges. At this time each year, I like to take time to talk a little about what our company accomplished last year and what we hope to accomplish in the coming months. We feel this is important so that our clients are always aware of our ever growing ability to serve their business and personal insurance needs.

2007 was a terrific year. As planned, we implemented a complete computerization of our business. Even though we weren't without automation before, this transformation was total. It allowed our agency to obtain tools available to the largest of insurance agencies. It gave us the ability to customize service to our clients and document their files in a way that was unimaginable 15 years ago. Further, we can communicate with insurance company's computers to upload and download policies, endorsements, claims and much more. Even though this transformation was challenging (for some of us), we all made it and are looking forward to 2008 being our first entire year of complete automation.

In addition to that, we were able to add a number of very special commercial insurance markets to our available companies. To be competitive in the commercial insurance product lines, you need numerous quality insurance companies that work with the agency and insured to create the proper insured arrangement. We have that capability even more now, and these companies are now available to our clients and future clients.

In saying good bye to 2007, 2008 becomes another great year of opportunity for our business. We are proud to announce that this is our 20th year in business. That is a very special achievement to us and this could not have been done without the help of you our clients.

As the year begins we are entering into a partnership with Nationwide Risk Consulting a national auditing firm that audits workers compensation policies for clients, to see if money can be saved on past policies. The amazing aspect of this service is that NRC only shares in any savings they generate so there is no direct cost to the client for these services. We are excited to bring this service to Minnesota as NRC's exclusive partner in this region. In addition, we have enhanced our ability to provide competitive health and other group products. This, along with personal home and automobile coverage, individual health and disability products and financial planning, places us solidly in a position to meet all of our client's needs; so don't hesitate to ask. Here is wishing you and yours, health and happiness in the coming year, and thank you once again, for your business.

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