Hotel Travel

Hotels, Travel and Tourism on Long Island  You are here: About > Cities & Towns > Long Island, NY > Hotels / Travel / Tourism Cities & Towns Long Island, NY Essentials December on Long Island January on Long Island Discounts and Deals for Long Islanders Moving to LI? Free Email Course Long Island 101 Articles & Resources Things to Do on Long Island Employment / Business Education Health and Fitness Restaurants and Dining Hotels / Travel / Tourism Real Estate Shopping and Services Transportation Weather and Traffic News and Media Government Sports and Recreation Lifestyles and Interests About Long Island Buyer's Guide Before You Buy Top Picks Top 10 Gifts for Islander Fans Top 10 Billy Joel Albums Calendars That Celebrate NY and LI Product Reviews Forums Help FREE Newsletter Sign Up Now for the Long Island, NY newsletter! See Online Courses   Search Long Island, NY > Hotels / Travel / Tourism Hotels / Travel / Tourism Are you a visitor to Long Island or a resident planning a vacation close to home? You'll find information on hotels, motels, bed and breakfasts, and resort areas. Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Discounts and Deals for Long Islanders Save money on Long Island with disount shopping, discount travel, and discount dining. Use coupons, memberships, and outlet shopping to save money. Camping on Long Island Many of us travel to upstate New York or Pennsylvania to go camping, but did you know there are several campsites on Long Island? You can stake your tent in wooded areas or on beaches. Take a look at this directory of campgrounds in Nassau and Suffolk Counties. Montauk: The End When you want to take a vacation, but don't want to spend a whole day traveling, this could be the place for you. Find out what the furthest point east on Long Island has to offer, whether you want to golf, fish, sightsee, or lie on the Beach. The American Hotel An official Sag Harbor landmark, this elegant hotel is a member of the Historic Hotels of America Association. It's located right in the middle of Sag Harbor, within walking distance to shops, restaurants, art galleries, the Marina, and Bay Beach. Danfords on the Sound This Port Jefferson hotel has some rooms with fireplaces, and some that overlook the water. Shopping in historic Port Jefferson is right outside your door. Catering is available, as is a restaurant. You may choose to dock your boat or yacht at the 75-slip marina. Make a reservation at Danfords on the Sound ( Direct Link ). The Garden City Hotel Located in Nassau County, only a short train ride away from Manhattan. Franklin Avenue, also known as the Fifth Avenue of Long Island, is nearby, as is Roosevelt Field. It's also close to Adelphi and Hofstra Universities and Nassau Community College. Make a reservation at the Garden City Hotel ( Direct Link ). Jones Beach Hotel Located in Wantagh near the beach and Tommy Hilfiger Theater. Long Island Convention and Visitors Bureau Search for accommodations by location or keyword. You'll find privately owned hotels and motels, as well as major chains and business/convention hotels. Long Island Marriott This full-service hotel and conference center in central Nassau County is near Roosevelt Field, the Source (home to Fortunoff's and some other stores), and Eisenhower Park. Amenities include an indoor pool, health club, and data ports in all rooms. Make a reservation at the Long Island Marriott ( Direct Link ). Montauk Manor This hotel makes a trip out to Montauk in the dead of winter worthwhile. It overlooks Gardiners Bay and Block Island Sound and features indoor and outdoor pools, a sauna, meeting rooms, a fitness center, an indoor squash court, and a restaurant. Make a reservation at the Montauk Manor ( Direct Link ). Shelter Island Bed and Breakfast If you want to get away for a romantic weekend, Shelter Island is a lovely place to go. This B & B is located in the center of the Island. Rates are per couple (no children or pets allowed). Rooms are air conditioned with a private bath and entrance. The Village Latch Inn Hotel This hotel in Southampton is located right in town. Walk to shopping, art galleries, and museums. Check out the list of celebrity guests. Make a reservation at the Village Latch Inn Hotel ( Direct Link ). Wineries Directory From Long Island Wine Country.com. Lists name of winery, link to Web site if available, location (with a map), telephone number, tasting hours, months open, cost, and whether tours are available. They recommend you call to confirm tasting hours.        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 Holiday Recess on Long Island Minado Japanese Seafood Buf... Long Island, NY - Articles Long Island Children's Museum NYS Licensed Occupations Headlines Millie's Place Looking for somewhere to go for a special night out?... Cafe Porto: Review Pizzerias are pretty common in most towns. Port Washington is... Countdown to the Holidays: Final Day . Here it is -- the final post of our... Holiday Recess Activities You may be trying to figure out how you're going...

Disney vacations , and

MouseSavers.com - Disney Discount Source - Disney World Discounts, Disneyland Discounts, Disney Cruise Discounts Great deals on all things Disney! Welcome to MouseSavers.com sm , your source for Disney discounts, helpful information for Disney vacations , and codes and coupons for Disney merchandise . Want to save money on your next vacation at Walt Disney World or Disneyland ? Looking for a discount on a Disney guidebook or other Disney merchandise ? If you need any kind of Disney discount, you're in the right place! MouseSavers.com also offers discount information for Universal Studios, SeaWorld, Legoland and other Southern California & Florida attractions . Walt Disney World Disneyland Disney Cruise Line Transportation for Your Disney Vacation Other Disney Travel Savings Discount Disney Shopping Mall Live Disney Shows Disney Freebies Disneyland Resort Paris Disney Parks in Asia Disney's Vero Beach/Hilton Head Non-Disney Theme Parks & Attractions More information: About MouseSavers.com Frequently Asked Questions Trip Reports and Articles Links Testimonials Privacy Policy & Legal Stuff Contact Mary LATEST HOT DEALS - AS OF 12/28/05 Is your New Year's resolution a trip to Disney for your family, but you have no idea how to afford it? Take a look at this page on how to save money for your Disney vacation . Maybe it will inspire you! You might also be interested in these articles about how a family of 4 may be able to visit Walt Disney World on a $1000 shoestring budget or a $1500 budget . FREE shipping on orders of $75 or more at DisneyShopping.com . Plus, up to 70% off sale . Combine this with a coupon code to save even more! Hotel Royal Plaza in the Walt Disney World Resort is about to reopen after more than a year of renovations. You can now book MouseSavers rates for stays beginning January 21! May-December 2007 3-night and 4-night sailings on the Disney Wonder are now on sale. (Exceptions: the 6/17/07, 6/24/07 and 7/1/07 sailings are being held back and are not bookable at this time.) Contact a Disney specialist travel agent to book your stateroom. Fantastic MouseSavers exclusive offer at Hilton Anaheim : $50 credit toward Disneyland tickets, plus kids eat breakfast FREE and lunch & dinner for 99 cents ! If you are planning to purchase multiple Disney movies in the next two years, be sure to check out the great deals available through Disney Movie Club . Click here for details! Need luggage for your Disney vacation? MouseSavers.com readers get an exclusive 20% discount at eBags -- applies to almost all luggage items! Are some links not showing up in the text above? Are words missing from sentences? Click here to learn why. Sign up for the FREE MouseSavers Newsletter and get exclusive discounts not available on the web site! Sign up to watch this page for updates! (The update service is provided by ChangeNotes, which is not affiliated with MouseSavers.com. If a new offer is added to this page, it sends you an e-mail the next day.) There is now a MouseSavers.com newsfeed! Click on this icon to start using RSS now! Back to top Content of MouseSavers.com is © Mary Waring & MouseSavers 2001-2005. No part of this website may be reproduced in whole or in part without permission.

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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Orlando Vacations Orlando Vacations

Orlando and Priceline's Vacation Packages -- | Airfare | Hotels | Car Rentals | Vacations | Cruises Airfare Hotels Car Rentals Air+Hotel Vacations Cruises Search For Vacations Departure City: Destination: -- Over 165 Destinations -- Acapulco Albuquerque Amsterdam Anchorage Annapolis, MD Aruba Aspen, CO Atlanta Atlantic City - Cape May Austin Baltimore Banff, Canada Barbados Barcelona Berlin Bermuda Biloxi, MS Birmingham Boise Boston Breckenridge, CO Brussels Buffalo - Niagara Falls, NY Burlington, VT Cabo San Lucas Calgary Cancun Charleston Charlotte, NC Chicago Cincinnati Cleveland Colorado Springs, CO Columbia, SC Columbus Copenhagen, Denmark Corpus Christi, TX Costa Rica Cozumel Curacao Dallas Daytona Beach Denver Des Moines Detroit Disneyland, CA Dublin Edinburgh, Scotland Flagstaff Florence Fort Lauderdale Fort Myers Frankfurt Freeport Gatlinburg - Pigeon Forge, TN Grand Cayman Guadalajara Hamburg Harrisburg, PA Hartford, CT Hawaii - Big Island Hawaii - Kauai Hawaii - Maui Hawaii - Molokai Hawaii - Oahu/Honolulu Hilton Head Island Houston Indianapolis Ixtapa Jackson Hole, WY Jacksonville Jamaica (MBJ) Jamaica - Kingston Kansas City, MO Key Largo Key West Killington - Okemo, VT Lake Tahoe Las Vegas Lexington, KY London Long Beach, CA Los Angeles Louisville, KY Madison, WI Madrid Mazatlan Memphis Mexico City Miami Milwaukee Minneapolis - St. Paul Mont-Tremblant, Quebec Monterey, CA Monterrey, Mexico Montreal Munich Myrtle Beach Mystic - New London, CT Napa Naples/Marco Island, FL Nashville Nassau New Orleans New York City Newark, NJ Oakland, CA Oklahoma City Omaha Orange County Coastal, CA Orlando Palm Springs Paris Park City, UT Philadelphia Phoenix Pittsburgh Portland, OR Prague Providence - Newport, RI Puerto Plata, D.R. 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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