South America Travel Forum

South America Travel Forum on the Travoogle.com - Worldwide Travel Forum ~ probably the Web's favorite travel search engine ~ By participating in these forums you can earn free advertising! Click here for details. FAQ Search Memberlist Usergroups Register Profile Log in to check your private messages Log in South America Travel Forum Moderators: aaron , paul , Trev , axxiom , Dan , Red Tape , sunshine82 , Eurapart , georgep , GregW Users browsing this forum: None Goto page 1 , 2 , 3 , 4 , 5 , 6 , 7 Next Forum Index - South America Travel Forum Mark all topics read Topics Replies Author Views Last Post Sticky: [ Poll ] And the nominations for the South America Expert 2005 are... 3 aaron 526 Thu Dec 15, 2005 8:29 am thowra Sticky: A word of warning about advertising... 1 aaron 4222 Fri Apr 25, 2003 5:59 pm aaron need a place to stay in Rio? 1 locaindc 28 Wed Dec 28, 2005 1:07 am Red Tape i want to teach english in argentina, chile 2 Pete_ 637 Mon Dec 26, 2005 6:25 am andando Spanish courses 8 bwlamas 2146 Mon Dec 26, 2005 6:05 am andando South america.. backpacking.. language.. [ Goto page: 1 , 2 ] 17 Ryit 3731 Mon Dec 26, 2005 5:59 am andando Argentina 9 rjackf 927 Mon Dec 26, 2005 5:53 am andando Studies and accommodation in BA needed 3 hihihi 771 Mon Dec 26, 2005 1:02 am andando The safest and most dangerous countries in South America 12 JohnBoy1984 1500 Sat Dec 24, 2005 2:03 am adult-vacations [ Poll ] CYCLING SOUTH AMERICA 3 stuntmanjeff 1042 Thu Dec 15, 2005 8:49 am thowra Brazil: Low Fares and Mini-Air Pass for the Northeast 0 lagoaemar 194 Sun Dec 11, 2005 5:24 pm lagoaemar Lnaguages spoken in Argentina 3 Sidesplitter 413 Sat Dec 03, 2005 12:29 pm Sidesplitter Street Art in Buenos Aires, Argentina 0 frassinetti 175 Fri Dec 02, 2005 1:47 pm frassinetti Brazil: New low-tariff flight companies 0 lagoaemar 269 Tue Nov 22, 2005 1:32 am lagoaemar CCUSA's Work Brazil Scheme 1 beeee 251 Fri Nov 18, 2005 11:25 am beeee Sao Paulo - Looking for budget accomodation in 27th Nov... 0 carley 209 Thu Nov 17, 2005 8:13 pm carley Flights from Rio to Salvador 1 southam 454 Wed Nov 09, 2005 9:40 am paul Saquarema - Rio de Janeiro - Brasil 1 PHForever 325 Wed Nov 09, 2005 9:28 am paul Train / trip from Buenos Aires to Rio de jeneiro??? 1 southam 381 Tue Nov 08, 2005 1:11 pm Sidesplitter amazon jungle trek 4 spiderman2099uk 673 Mon Nov 07, 2005 9:57 pm spiderman2099uk Machu Picchu voted No.1 wonder of the world 0 paul 444 Fri Nov 04, 2005 10:59 am paul Brazil: Flight Rio - Salvador for 225 Reais 0 lagoaemar 495 Tue Nov 01, 2005 1:08 am lagoaemar Welcome to Per 1 Conociendo Per 513 Mon Oct 31, 2005 11:06 pm Sidesplitter Traveling To Paraguay 0 cbj 432 Mon Oct 31, 2005 12:35 am cbj Sex tourism in Brazil 10 aaron 12774 Fri Oct 28, 2005 11:06 pm paul Brazil trip concerns 2 Nigel_UK 983 Sat Oct 22, 2005 12:57 am Larry Aiello brazil first timer 3 lewis377 1028 Thu Oct 13, 2005 11:41 am Sidesplitter Teaching in Cuenca, Ecuador 0 Alyssabeth123 460 Wed Oct 12, 2005 11:11 pm Alyssabeth123 Learn Spanish in Cuzco Peru. 1 aqmaster 592 Tue Oct 11, 2005 3:16 pm paul Two way radios in South America 1 Wayne 670 Sun Oct 09, 2005 4:29 pm Sidesplitter Getting Married at the iguazu falls 3 J-Ro 1012 Tue Oct 04, 2005 8:24 pm Sidesplitter volunteer bolivia 1 pratzki 650 Mon Oct 03, 2005 6:20 pm Red Tape A few questions about Peru 0 gardkarlsen 632 Wed Sep 28, 2005 8:12 pm gardkarlsen Travelling to Buenos Aires 1 shahzad 694 Wed Sep 28, 2005 8:18 am paul Flights to Buenos Aires....Budget a Go Go?? 4 massivebigtoe 1061 Tue Sep 27, 2005 2:01 pm paul Lone female traveller 9 niamh 2406 Sun Sep 25, 2005 11:17 pm whereshegoes South America October 2005 9 jamy25 1667 Fri Sep 23, 2005 11:38 am Sidesplitter Going to Quito, want to teach English, need help. 4 Pete_ 1246 Tue Sep 20, 2005 2:50 pm Sidesplitter Volunteering 1 buttmunch 696 Mon Sep 12, 2005 8:42 am paul Spanish Language Schools Santiago 0 Glen 449 Sat Sep 03, 2005 11:22 am Glen South America in Sept 5 Joshila 2389 Thu Aug 25, 2005 7:50 pm sandy Love motel for pets 0 paul 620 Mon Aug 22, 2005 10:13 am paul My family offer accommodation at home in Lima - Peru 0 peruexplorer 599 Mon Aug 22, 2005 3:25 am peruexplorer Special Offers - Alternative to Brazil Airpass 0 lagoaemar 936 Sun Aug 07, 2005 12:40 am lagoaemar Warning against VARIG flights 0 lagoaemar 952 Sat Aug 06, 2005 10:34 pm lagoaemar Weather in Chile in July? 2 chapter11studios 1059 Fri Aug 05, 2005 2:23 pm chapter11studios Hilton hotel in Buenos Aires 0 paul 736 Thu Aug 04, 2005 8:32 am paul Have you been to the 'Valley of the Moon' in Chile? 4 chapter11studios 1225 Sun Jul 31, 2005 10:50 am Ginirover Florianopolis / Floripa - Brazil 1 redsand 1759 Sat Jul 30, 2005 6:40 pm ElPerroGrande Anywhere good between Rio and BA? 2 gazthornton 1057 Sat Jul 30, 2005 6:26 pm ElPerroGrande Display topics from previous: All Topics 1 Day 7 Days 2 Weeks 1 Month 3 Months 6 Months 1 Year Forum Index - South America Travel Forum All times are GMT Goto page 1 , 2 , 3 , 4 , 5 , 6 , 7 Next Page 1 of 7 Jump to: Select a forum CHECK-IN DESK ---------------- Introductions Forum General Chat Forum Travel News Forum ARRIVALS & DEPARTURES ---------------- Africa Travel Forum Asia Travel Forum Caribbean Travel Forum Central America and Mexico Travel Forum Europe - Eastern Europe Travel Forum Europe - Western Europe Travel Forum - UK & Ireland Europe - Western Europe Travel Forum - France, Spain and the rest... 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Chicago Vacation

Family Vacation Tip: Chicago Greeters  You are here: About > Travel > Travel with Kids Travel Travel with Kids Essentials Family Vacation Ideas Winter and Spring Break All-Inclusive Resorts Ten Latest Family Travel Deals Family Resorts: top places; photos Articles & Resources Family Travel: What's Hot Top Vacation Spots VT, ME, NH, CT, MA, NY, PA Mexico Family Vacations Caribbean Vacations More Beach Vacations Florida Family Vacations Resorts with Water Park More Family Resorts Fun Places for Kids Disney Vacations Family Cruises Babies;Teens;Single Parents Lots More Destinations Family Travel TIPS, GAMES Buyer's Guide TAKE ALONG: Christmas books Christmas flicks Activity Kits more CHRISTMAS GIFT IDEAS Forums Help FREE Newsletter Sign Up Now for the Travel with Kids newsletter! See Online Courses   Search Travel with Kids Family Vacation Tip: Chicago Greeters Travel with Kids Blog « Family Vacation Idea: USVI | Main | Family Vacations: Disney World » December 22, 2003 Family Vacation Tip: Chicago Greeters Visiting Chicago? Get a (free!) introduction to the city with your own personal guide, courtesy of the City of Chicago Greeter Program . Similar to the terrific Big Apple Greeters in NYC. Email a Friend Display Latest Headlines Read Archives Advertisement Most Popular Charades -How To Play Charades Family Vacation Spots The Atlantis Resort Great Places to See Santa Disney Christmas Magic Kingdom What's Hot Grand Floridian Chinese New Year - 2006 Poconos Great Wolf Lodge photo Dog Friendly Hotels, inns, lodges -- find dog-friendly vacat... Kwanzaa Related Topics Florida for Visitors New England for Visitors Theme Parks Hotels / Resorts / Inns Parenting of K-6 Children        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About New Video iPod - Review POLL: Must-Have Gadgets VIDEO: Portable Gaming VIDEO: Choosing a TV Hugh Hefner's Life What's Hot Grand Floridian Chinese New Year - 2006 Poconos Great Wolf Lodge photo Dog Friendly Hotels, inns, lodges -- find dog-friendly vacat... Kwanzaa Headlines Bunch of family travel deals Latest deals added include a January Travel Special at the... First Nights! "First Night" events celebrate New Year's with family-friendly festivities-- and... Top Family Travel Trends in 2005 It's that time of year... to pause the mad dash... Bookmark the NORAD Tracks Santa site! It's not a family trip, but it's certainly a trip...

Austria Travel Guide, climate:

Austria Travel Guide - Information and Advice Austria Travel Guide Information and Advice Austria Map | Austria Pictures Vienna Pictures | Vienna Travel Guide exodus specialises in “The different holiday”, offering the widest selection of walking, adventure, cycling, mountain biking, wildlife, cultural and winter holidays, and overland journeys across all seven continents! exodus: Homepage | Austria Tours | Brochure Request Austria Travel Guide, climate: Best: May - June, September for summer activities with less crowds and less heat than July/Aug, or Dec - March for a deep white winter. Worst: The country is rarely over hot or hideously overcrowded but July, August and Christmas are very busy times, while Oct/November can be miserable - dark, wet and grey. Length of stay: Minimum worthwhile stay, not incl. flights: Vienna and Salzburg - 4 days Recommended: At least 2 weeks to take in Vienna, Salzburg and some country/mountain activities. Main Festivals in Austria : mid May- June: Vienna Festival - wide range of arts, especially music, naturally, but also dance and theatre, sometimes challenging pieces, all set in magnificent buildings. mid July-Aug: ImPulsTanz - a dynamic and diverse dance festival across the whole of lovely Vienna. End July - end August: Salzburg Festival - opera and concerts. 'Europe's most prestigious summer musical event.' Very large, very expensive. Every year in Mozart's pretty home town. Dec 31st, Kaiserball - waltzing into Vienna's glamorous ball season is this, the ultimate in smart dances, set in the magnificent Hofburg Palace. No expense spared. For some precise dates, more suggestions and information see European Festivals or Arts Festivals Austria activities guide: Hiking: The Alps in summertime offer a zillion stunning, well-marked walking routes, open along with the spring flowers in late May. The Zillertal Alps are particularly scenic and leg friendly, and Zell am Ziller is a good starting point. Lifts help the less fit. Climbing: Plenty of challenging climbs available, with northern Tyrol being especially popular . Skiing: With all those mountains and snow Austria is a great downhill and cross-country ski destination, tho' not cheap. Tyrol and Vorarlberg are most popular. Hangliding & paragliding: Due to the excess of high places and affluence of the country, gliding is commonplace and kit can be rented easily from ski resorts. Rafting /canoeing: Land Salzburg [Salzburg Alps] has superb locations for watersports from quiet canoeing to wild white water rafting. Speed boats are restricted. Biking: This country is extremely bike friendly, with rental machines available from most railway stations and dedicated tracks everywhere. The best long route is the Lower Danube Cycle Track, running beside the river from Vienna to Naarn and passing many gorgeous medieval towns on the way. River Cruises: Lengthy and a bit slow on sights . If your travel time is limited don't bother with the Danube. Night life: Austria is culturally more about classical music than techno raves, tho' the natives do know how to have a good time. Austria Star Guide: Monuments *** Shopping and souvenirs ** Walkability ***** Food Quality and Variety *** Value for Money *** Hotel Prices and Value *** Beaches no sea! Wildlife ** Landscape ***** Local People **** Architecture ***** Safety ***** Nightlife and Clubbing **** Health Problems none Museums ***** Why Travel to Austria? It's efficient, safe, uncrowded [by locals - total population is about 8m], and has stunning towns and magnificent mountains . The rise and fall of the Hapsburg dynasty [1278- 1914] and the Austrian Empire is a monumental story, gone but not forgotten by tourists gaping at the mass of gothic, baroque and rococo royal relics or listening to present day concerts by long-dead Vienna inhabitants - Mozart, Strauss, Brahms and Beethoven to name but a few. Museums offer a lot more than Hapsburg lifestyle samples and cover many topics in great depth and style. The climate offers a comfortable heat in the summer and acceptable cold in winter, encouraging year-round outdoor activities, particularly summer hiking and winter skiing. Transport systems are brilliant and road access to other European cities is easy. Locals are friendly and many speak English. Downside: -Food is heavy and dedicated to carnivores. Vegetarians may have a hard time finding suitable body fuel. -German is more a language of command than conversation. Where to travel in Austria: 1] ***Vienna, a superbly walkable, beautiful, interesting city. Vienna page 2] **Salzburg. Mozart's home is a pretty little town - well, the old bit is - but heavily travelled and without much space to permit tourists to relax and enjoy its rampant baroquery properly. The castle towering over Salzburg is sturdily interesting, as is the cathedral, the Residenz [palace] and the nearby graveyard/catacombs, but the focus is more on where Wolfie the Wonder Boy grew up or Sound of Music locations. It's a very long day trip from Vienna so stay over and visit the 16thC town of Krems , magnificent Melk Abbey and Hellbrunn Palace on the way. Also worth a look, 48km from Salzburg, are the ice caves of Eisriesenwelt , near Werfen. Dramatic, elaborate shapes and frozen waterfalls line the 42km of explored caverns, tho' not all is open and guides may be necessary. Fascinating but cold and slippery so not suited to very young or old travellers. 3] ***Salzkammergut is a vista-overload resort area of mountains, lakes and charming towns just east of Salzburg. In the summer it offers walks and water sports, in winter skiing. Key towns are Bad Ischl [fashionable spa resort], St. Wolfgang [on Wolfgangsee Lake] and Hallstatt . 4] ***Grossglockner Road. If you have wheels and it's May-November then this stunning 50km mountain/glacier route will really honk your horn. Start the tortuous tour from Zell am See. 5] *** Innsbruck [Tyrol] A lovely, partly medieval city surrounded by spectacular peaks, it functions perfectly as a summer resort or winter sports base, though it doesn't have immediate access to slopes. Nearby is Seefeld, a prime ski resort that offers more than just slopes and Mutters , 'the most beautiful village in Tyrol' and romantic in any weather. 6 ] ** St Anton am Arlsberg [Tyrol] Near Switzerland this is another picturesque Tyrolean town with some of Europe's best skiing at reasonable prices. The Blue Danube? Not likely, muddy green at best. There is an explanation for the name however... Napoleon had never lost a battle when he came across the white coated Austrian army at Aspern, around the Danube, in 1809. The French, in blue coats, lost, and their bodies were thrown into the Danube. Due to poor dye quality the colour ran into the water, turning it temporarily blue. Strauss remembered the great victory in 1867 by calling his latest waltz, 'The Blue Danube.' Austria Tours Tour operators offering tours to Austria can be found in our listings here: Austria Tours For links to Tourist Offices, Embassies, Cheap Air Tickets, Currency Converter, Climate, Language advice, other online Travel Guides and more, visit Bugbog Travel Directory Map of Europe Visas: EU citizens and nationals of USA, Australia and New Zealand do not need visas for visits up to 90 days. Electricity: Electric sockets are 230v and take 2 round pin plugs. Safety: Crime is rare and more likely to be opportunistic theft by transient East Europeans rather than locals. Language: German is the native language but most Austrians under 50 speak excellent English. Cuisine Guide: This is not good weight-loss country . National dishes tend to be heavy, saucy and meat oriented - hardly surprising for a place with no coastline - while local cheeses, pastries, beers and wines are excellent and too tempting by half. Street snacks tend to be of the sausage, pickles and chunky bread variety. About the only thing that will not pile on the pounds is the superb coffee. Money: The currency is the Euro and prices are fairly high. ATMs are plentiful and most Traveller's Cheques accepted. If you plan to travel Austria you may find these other Bugbog guides to Europe useful: Germany Travel Guide Hungary Travel Guide Czech Republic Travel Guide Belgium Travel Guide Italy Travel Guide France Travel Guide Greece Travel Guide UK Travel Guide Travel Pictures | Destination Finder | Exotic Places | World Festivals | World Wonders | Safari Wildlife | Beaches | Top of Page European Places | Walking Tours | Travel Health | Travel Safety | Travel Directory | English Speaking Places | Tours Gap Year | Site Map | Travel Guide Homepage | Contact | Press | Advertising | Legal | Maps | Travelogue © 2000-2005 Bugbog

Orlando Vacations Orlando Vacations

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PRICELINE.COM, and PRICELINE are registered service marks, and NAME YOUR OWN PRICE, and NAME YOUR PRICE are service marks of priceline Incorporated. ws-16 priceline.com home | priceline.com site map

Travel Insurance

QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! QBE Insurance - QBE Asia Pacific - Specialist Risks Unit QBE Insurance - QBE Asia Pacific - Marine Risks Network QBE Insurance - QBE Asia Pacific - Hong Kong QBE Insurance - QBE Asia Pacific - Indonesia QBE Insurance - QBE Asia Pacific - Macau QBE Insurance - QBE Asia Pacific - Mainland China QBE Insurance - QBE Asia Pacific - Malaysia QBE Insurance - QBE Asia Pacific - Philippines QBE Insurance - QBE Asia Pacific - Singapore QBE Insurance - QBE Asia Pacific - Thailand QBE Insurance - QBE Asia Pacific - Vietnam QBE Insurance - QBE Asia Pacific - Fiji QBE Insurance - QBE Asia Pacific - French Polynesia QBE Insurance - QBE Asia Pacific - Japan QBE Insurance - QBE Asia Pacific - Micronesia QBE Insurance - QBE Asia Pacific - New Caledonia QBE Insurance - QBE Asia Pacific - New Zealand QBE Insurance - QBE Asia Pacific - Papua New Guinea QBE Insurance - QBE Asia Pacific - Solomon Islands QBE Insurance - QBE Asia Pacific - Vanuatu QBE Insurance - the Americas QBE Insurance Group Limited, is an insurance and reinsurance company publicly traded on the Australian Stock Exchange. Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas