Is There a True Religion in Investing?

Mr. Buffett, Mr. Munger, my name is Dave Langis. I'm a senior editor at Business Insurance Magazine. Can you explain a little bit regarding your primary insurance operations? What drove up written premiums by more than 50% last year and if you expect that to continue this year? And can you explain what potential pitfalls that the new CAT facilities in Bermuda will have to avoid that you feel Berkshire Hathaway won't fall into?