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We first gained experience with this market in California and have an understanding of how best to acquire and retain this business. Over the past decade, we have solidified relationships with agents who serve the Hispanic market by supporting their businesses and customers in their local communities. We have bilingual customer service representatives; we translate documents such as billing statements into Spanish; and we advertise in Spanish through direct mail, in newspapers and on television. We also join our agents in events within the Latino Community. Our focus on this fast-growing segment is quite evident when you consider that approximately 50% of our customers in California have Hispanic surnames. We consider our position in this niche, including the strength of the Infinity brand in this segment, to be a significant competitive advantage. By using the expertise we gained in the California market, we are now expanding our Hispanic marketing efforts to our other target states. States such as Arizona, Texas and Florida all have growing Hispanic populations that afford us a tremendous opportunity to grow our market share in this very important segment.
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