Stephanie did go with Rick. But careful with your assumptions...Rick was greedy and did not want to wait or be under Gabe Tirador's Leadership. George Joseph knows Gabe can handle it. Rick was a up and coming Exec. but was impatient. Fitzpatrick had a golden parachute and did not want to go with the MCY plan. Hell, the company is now a mid-cap rating indicator and has been one of the only profitable insurance companies when the chips were down. I think GJ knows what he is doing, except with J. Sutton. That is one guy you gotta watch like a hawk. BTW, If Rick is such a find, why Superior Access? There were a quite a few opportunities out there when he left and he took the easiest of the ones out there.