knows insurance...he and his folks could clean up this mess in 6 months. However a more logical senario is for Buffet to negotiate a direct investment in the company...maybe a convertible preferred...that would help reduce capital concerns and show his support. This thing would take off. WFC, KO and others used this strategy very effectively. Problem is, is anyone at UNM thinking about re-establishing credibility?..or just their own bowl of rice?