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You could always bring back Ricky Okey - things started to go wrong after he left, and accelerated as the years went by.

You had the top man who knew how to bring in large volume business, and really understood the needs of the broking community.....and you let him go. You were getting 75-80% of my overall volume at that point.

His leaving and the arrogance of the new Spanish overseers soon spoiled what he had built up.

That and allowing your most experienced underwriters to be poached.....leaving us with the aforementioned pre-pubescent illiterates.

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