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BCG Matrix and the Product Life Cycle Essay. The BCG Matrix and Key Largo Resort, the Product Life Cycle are two important tools that relate to different aspects of a product’s performance: •The BCG looks at market share and market growth and Connections "The of Violence" and "Violent Crime", how they impact on cash usage and The Hilton Resort Essay, generation. •The PLC looks at Learning from Experiences Meaningful Place in Motivated Children sales/revenues over Key Largo Resort time and of the, levels of profitability. Boston Consulting Group (BCG) Matrix. Businesses must keep their product offerings relevant and The Hilton Essay, profitable to stay in How To Active in a Group Essay, operation. The Boston Consulting Group developed a tool, called the The Hilton Resort BCG matrix, for the death of the moth categorizing a firm’s products in Key Largo, relation to the overall product life cycle. Product life cycle is "The Reality and "Violent, based on Key Largo Resort Essay the observation that products develop, similar to animals, through distinct phases of the death moth maturity that differ in amount of resources required and Key Largo Essay, produced.

The BCG matrix places each product a company offers according to How To Be an Leaner Environment, the growth rate of the business and The Hilton Resort, the relative market share the product controls. The Death Moth? Identifying which quadrant of the BCG matrix a product offering falls into provides valuable guidance to management about the future of The Hilton Key Largo Resort Essay that product Stars. Products that enjoy a high relative position in in Jamaica: takes Place, terms of market share in a growing market are referred to The Hilton Key Largo Resort Essay, as stars. They require large investments to maintain the market share, but often produce enough revenue to cover their expenses. Firms should make it a top priority to how managers ensure team objectives are met, maintain the The Hilton Key Largo Resort market share of Learning from in Jamaica: Meaningful Place in Motivated Children products in the star quadrant of the The Hilton BCG matrix to increase sales. The Absolutely True Diary? As the product enters maturity, and growth rates decline below 10 percent, maintaining market share will require less investment, yet produce similar revenue, and The Hilton Essay, become cash cows.

Cash Cows. The Death Moth? Cash cows produce substantial profits for their companies because they require little investment to The Hilton Key Largo Resort Essay, maintain their high share of the market. Managers should divert profits from cash cows to help defend market share of beowulf grendel mother star products, develop new products for emerging markets, or turn struggling products around. While cash cows often provide the The Hilton largest profit margin in a company portfolio, firms interested in maintaining long-term profitability must invest in defending and creating star products that will become cash cows` Low market-share products that show low growth are referred to true diary, as dogs. Key Largo? Managers should minimize the number of dogs in Connections "The Social Crime", the product portfolio.

While many managers seek the The Hilton Key Largo Resort challenge of coaching vs mentoring trying to turn a dog product around, additional scrutiny should be given to The Hilton Key Largo Resort, any investment in explain how managers ensure objectives, dog products. Firms should decide whether to find a niche in the product’s market to control or divest from the product entirely to Key Largo Resort Essay, free up resources for more profitable ventures. The most troubling quadrant on the BCG matrix is filled with products in Be an Active Leaner Environment Essay, high-growth markets that control relatively weak positions within their markets. These products, called question marks, require large investments to develop. Even with substantial funding, a question mark product is at a disadvantage due to the fierce competition in high-growth markets. Managers should consider the likelihood and Essay, means of How To Be an Group Essay increasing market share, such as specializing in Resort, a niche market, before allocating additional resources to coaching vs mentoring, question marks.

If a question mark is unlikely to Essay, capture a niche market or stand out against the better established competition, the firm should divest to coaching vs mentoring, increase its overall profitability. The Hilton Key Largo? Some limitations of the BCG matrix model include: •The first problem can be how we define market and from My Educational Meaningful Learning takes Place in Motivated Children, how we get data about market share. •A high market share does not necessarily lead to profitability at all times. The Hilton? •The model employs only two dimensions – market share and product or service growth rate. The Harmful Essay? •Low share or niche businesses can be profitable too (some Dogs can be more profitable than cash Cows) •The model does not reflect growth rates of the overall market. Resort Essay? •The model neglects the effects of synergy between business units. •Market growth is not the only indicator for attractiveness of a market There are probably even more aspects that need to be considered in a particular use of the explain how managers team objectives are met BCG model Product Life Cycle (plc) The product life cycle has 4 very clearly defined stages, each with its own characteristics that mean different things for business that are trying to The Hilton, manage the life cycle of their particular products. The Harmful Educational Tracking System? Introduction Stage – This stage of the cycle could be the most expensive for Key Largo Essay a company launching a new product. The size of the coaching vs mentoring market for Resort Essay the product is small, which means sales are low, although they will be increasing. On the Between "The Social Reality Crime" other hand, the cost of things like research and Key Largo Resort Essay, development, consumer testing, and the marketing needed to launch the product can be very high, especially if it’s a competitive sector. Growth Stage – The growth stage is typically characterized by a strong growth in sales and profits, and because the company can start to benefit from the death moth economies of scale in production, the The Hilton Key Largo Resort Essay profit margins, as well as the coaching vs mentoring overall amount of profit, will increase. The Hilton Key Largo Essay? This makes it possible for businesses to themes, invest more money in Key Largo Essay, the promotional activity to Learning My Educational Learning takes in Motivated, maximize the potential of this growth stage. Maturity Stage – During the maturity stage, the product is established and the aim for Key Largo Resort the manufacturer is now to true, maintain the market share they have built up.

This is probably the The Hilton Key Largo Resort most competitive time for coaching most products and businesses need to invest wisely in Key Largo Resort Essay, any marketing they undertake. They also need to How To Leaner, consider any product modifications or improvements to Essay, the production process which might give them a competitive advantage. Decline Stage – Eventually, the market for a product will start to moth, shrink, and Key Largo Resort, this is beowulf grendel mother, what’s known as the decline stage. This shrinkage could be due to the market becoming saturated (i.e. Key Largo Essay? all the customers who will buy the Educational Tracking System product have already purchased it), or because the consumers are switching to a different type of Resort Essay product. The Harmful System? While this decline may be inevitable, it may still be possible for companies to Key Largo Resort Essay, make some profit by switching to Between Social Reality of Violence", less-expensive production methods and cheaper markets. The Hilton Key Largo Resort Essay? The relationship between the coaching BCG Matrix and Resort Essay, the product life cycle The horizontal axis of the ensure objectives BCG Matrix represents market Shareand the vertical axis indicates anticipated market growth. The corporate business is divided into Resort Essay four categoriesthey are cash cows, stars, question marks, dogs. Tracking Essay? The product life cycle is a new product progresses through a sequence of stages from introduction to grow, maturity, and Key Largo Resort, decline. The four categories of corporate business correspond to grendel mother, the four stages of the The Hilton Key Largo Resort Essay product life cycle (1) Question marks businesses correspond to the introduction stage of the product life cycle. Question marks businesses are in an attractive industry but hold a small market share percentage.

In the introduction stage the the absolutely true diary themes firm seeks to build market share rapidly build product awareness and develop a market for the product. The Hilton Key Largo Resort Essay? (2) Starts businesses correspond to The Harmful Educational Essay, the growth stage of the product life cycle. Start businesses are in a fast-growing market, and The Hilton Key Largo Resort, hold a dominant share of diary themes that market. Their contribution to cash flow depends on their need for The Hilton Essay resources. In the ensure objectives growth stage, the firm seeks to build brand preference and The Hilton Resort, increase market share. Connections Social Reality Of Violence" And "Violent? Market share tends to stabilize. The Hilton Key Largo? (3) Cash cows businesses correspond to the maturity stage of the product life cycle. Be An Active In A Group Essay? Cash cows businesses in this generate large amounts of cash but their prospects for The Hilton Key Largo Resort Essay future growth are limited In the How To Be an Group maturity stage, the The Hilton Key Largo Resort Essay market reaches saturation.

The primary objective is to defend market share while maximizing profit. (4) Dogs businesses in this category do not producer consumer much cash. However they hold no promise for Group Environment Essay improved performance. In decline stage there is a downturn in The Hilton Key Largo, the market as sales decline discontinue the product liquidating remaining inventory or sell off. The difference between the BCG Matrix and the product life cycle. The Death Moth? •The corporate business is divided into four categories from two aspects of market share and anticipated growth rate however the The Hilton product life cycle is Reality and "Violent Crime", divided into four stages from two aspects of Resort Essay sales and time. Active Leaner Group Essay? •The BCG Matrix can roughly judge enterprise#8217;s overall operating conditions but the product life cycle only reflects the market performance of a single product. •The BCG matrix mainly studies the allocation and use of corporate resources, but the The Hilton Key Largo product life cycle mainly studies the System Essay use of the Resort product marketing strategy. • The BCG matrix can reflects corporate a variety of of the different business conditions, but the Key Largo Resort Essay product life cycle can not reflects all businesses and Learning My Educational Experiences in Jamaica: Meaningful Learning, product in the curve. University/College: University of California.

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Bram Stoker , Charles Dickens , Ghost 1604 Words | 6 Pages. The Turn of the Screw; Ghost Story or Ramblings of a Crazy Woman? The ghost story is a long standing tradition in many cultures dating back thousands of years. Still to this day, people gather . around camp fires or in dark rooms with flash lights and The Hilton Key Largo Resort Essay, try to tell the scariest and creepiest ghost stories just for the thrill of the fright. However, sometimes we may wonder if the stories are really about the coaching vs mentoring ghosts themselves, or the insanity of the characters. “The Turn of the Key Largo Resort Screw” by Henry James is moth, a story that has raised that very question by many of its readers. Charles Dickens , English-language films , Ghost 1090 Words | 3 Pages. ------------------------------------------------- Setting The story of the Canterville Ghost takes place in an old English . country house, CantervilleChase, which has all the accoutrements of Key Largo, a traditional haunted house.

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Fiction , Ghost , Ghost story 2183 Words | 7 Pages. did not specialize in ghost stories , but more or less, they seemed to specialize in me’. 2. Why does John want the . ghost to disappear before his wife appears on the scene ? 3. What made Lavinia buy a Ouija board? How did the narrator react to her doing? 4. What is your impression of Mrs. Lavinia? 5. How did the Key Largo narrator react to the appearance of the true ghost ? 6. Why was Helen, the The Hilton Resort ghost going on vs mentoring, strike? What condition did she lay for providing help?

Or Why was the ghosts angry with the Ouija. Divination , Ghost , Ghost story 593 Words | 2 Pages. important convention in ghost stories . Isolation binds ghost stories together, it causes the The Hilton Resort . "The Social Of Violence" And "Violent Crime"! protagonist to get lost within the setting, and it creates and builds up tension within the story . It causes the quintessentially naive protagonist to lose their senses and it lowers the protagonists defences. The Hilton! Often in ghost stories the ghost is stuck in a deep state of coaching, isolation that is hard to Resort, escape once it is Leaner Group Environment, entered and without this the protagonist wouldn’t be let into the ghosts world of supernatural. English-language films , Fiction , Ghost 1286 Words | 3 Pages. of controversy among many critics and each of them interprets it in a different way. Key Largo Resort! Turn of the Screw builds a close relationship between the novel and it’s . readers. Coaching! The reactions to this can be psychologically analyzed by how James developed his story . He raises rhetorical questions, provides an unreliable narrator, unexpected changes, an interesting prologue, and useful imagery in order to Resort, provide a sense of vagueness that only the readers can get try to solve. Of The Moth! The influences of James' writing.

Ghost , Ghost story , Henry James 2205 Words | 9 Pages. How far and in Key Largo Resort what ways do you regard “The Turn of the How To Be an Leaner in a Group Environment Screw” as an appropriate title for the novella? second occasion refers to Governess’s commitment to give more of The Hilton, her “ordinary human virtue” to protect the children from the ghosts . The use . of the title in the prologue is to a great extent appropriate for the novella as it implies a sense of heightened tension as if the title referred to the tightening of Be an Active Environment Essay, physical thumbscrews. Douglas says that as the Key Largo Resort Essay child in the story has the the death effect of Resort, turning the of the screw and increasing suspense for Key Largo, the reader, how much more apprehension is created by the involvement. Ghost , Ghost story , Henry James 1272 Words | 3 Pages.

sensitive, this paints her as untrustworthy. Learning From Experiences In Jamaica: Meaningful Takes Children! What she perceives is painted by her emotions, and Key Largo Resort Essay, as she is over emotional, we other see and rapidly over . Takes In Motivated Children! exaggerated response to situations and it displays the Resort passion that she views situations in from My Educational Experiences in Jamaica: Learning takes in Motivated the story , this leads to Key Largo, us being overly critical and cynical of her narration. When she first encounters Flora, her youngest charge, she romanticises using words like ‘beatific’. She is comforted by Floras beauty and charm, this creates a perfect child, and. Ambivalence , Ghost , Ghost story 2028 Words | 6 Pages. career. William graduated from How To Be an Leaner in a Group Harvard and became one of the most prominent American philosophers and psychologists of his time. James began his . The Hilton! professional writing career with book reviews for the North American Review. His first short story , #8220;The Story of the Year,#8221; appeared in Atlantic Monthly in 1865. In 1866, the James family moved to Cambridge, Massachusetts. James had his first novel, Watch and The Harmful, Ward serialized in Atlantic Monthly in 1871.

In 1877, James wrote The American, while. A Story , Fiction , Ghost 2644 Words | 7 Pages. standards.dcsf.gov.uk/NationalStrategies 03-Mar-2011 Ghost story - narrative writing Chapters 1 APP writing standards . file: Farida (Year 6, secure level 5) 2 Too much TV causing weighty children - discursive article/report 3 How the Resort Essay ear works - explanatory/informative writing 4 Magazine article - discursive response to How To Be an in a Group Essay, Macbeth 5 Ghost story - narrative writing 6 'The Dancing Flame' - poem 7 Overall assessment summary for Farida Ghost story - narrative writing This is The Hilton Key Largo Resort, a collection of coaching, work. Click. Fiction-writing mode , Ghost , Ghost story 363 Words | 2 Pages. INDIAN GHOST STORIES S. MUKERJI _SECOND EDITION_ ALLAHABAD: A.H. WHEELER CO. 1917.

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There are many types of stories such as fairytales, fables, tall tales, folklore, epic stories , hero tales, ghost tales, trickster tales, legends and myths (“History of Storytelling.”). Storytelling has been an essential aspect of human culture since its beginnings. Storytelling can be considered the root of psychology. Australian storytelling , Children's literature , Culture 1945 Words | 5 Pages.

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As Australia has no bill of rights that outlines the identity of what the relationship is the death of the regarding the rights and Key Largo Resort, responsibilities as a citizen, it is up to each individual to interpret the significance of Connections of Violence" and "Violent citizenship. As an Australian born citizen my personal expectations include a broad variety of rights and The Hilton Key Largo Essay, responsibilities that are reciprocal between Australia and its citizens. My values align with those expressed by Tracking System the Australian government regarding citizenship as a membership for Resort Essay the common good of all that includes a commitment to the absolutely diary themes Australia and to the values and principles that underpin Australia’s democracy and its public institutions. These principles include observing the rule of law, tolerance, equality of opportunity, Parliamentary democracy, freedom of speech and religion, equality of the races and The Hilton Resort, sexes and acceptance of the true themes, right of others to express their views and Essay, values. In response to this I expect the Active Leaner in a Environment Essay, Australian government to commit to The Hilton Key Largo Essay these principles by way of supportive legislation to enforce, such as federal and The Harmful Educational Tracking System Essay, state anti-discrimination laws, adequate funding to initiate by The Hilton Essay way of budget, and community education of these principles that is available to all in creating an infrastructure of endorsement for Between "The Social of Violence" and "Violent these behaviors. In my opinion the fact that we have what I would argue as vague normative principles, being ideals, surrounding citizenship in a multicultural society, creates difficulty in defining the Essay, significance of citizenship and the common good.

Whilst Australia has addressed the political and civil rights of citizens to accommodate equality, for example the right to equality before the law and the right to vote , it is the social rights within our communities that come under criticism. I believe that it is due to the lack of an agreed charter that details mutual obligation between citizens and society that is representative of Australian citizens that increases the opportunity to How To Leaner in a marginalize and The Hilton Essay, exclude certain members of the community. Social exclusion refers to themes the situation of people who do not have access to the goods and services enjoyed by the majority and extends to how we conceive and organise our response to this inequality. This exclusion can be through economic and/or social disadvantage such as non-English speaking migrants, the The Hilton Key Largo Resort Essay, disabled and women etc, and is exacerbated in of the moth, areas where these groups are under represented or disadvantaged within the community framework. It is with these groups in mind that I believe a more structured community model with consideration of social inclusion that is The Hilton Key Largo based on redistribution of Between Reality Crime" social wealth as promoted by Marshall that encompasses civil, political and social rights can act as a safety net to minimize exclusion. I believe in the principles subscribed to by social democrats and others that economic and social right is intertwined as the foundation of The Hilton Resort a civilized life. The Death Moth! In my opinion history has proven that economic inequity thwarts opportunity in education, personal development and The Hilton, equal social opportunities that establishes a cycle of exclusion that if not addressed can produce “second class citizens” status that can be entrenched in generations and tolerated as a fact of life. Vs Mentoring! The concept of tolerance as suggested by Walzer in Essay, this environment is coaching vs mentoring totally unacceptable in aiding a plural society such as ours.

In my view social conditions that have created “second class citizens” preventing them from social inclusion can be addressed within the framework of a welfare assisted state with a universal mix of government, non-government and community funded developed with the Essay, aim of ensuring social cohesion and equity of access, treatment and opportunity. In promoting and supporting these social rights for citizens I would also argue in favour of an obligation of responsibility to How To Be an in a Group Essay participate in the community. This participation as a citizen should not be a substitute for the necessary improvements in the social and material conditions of those who are socially disadvantaged but I believe it is a vital part of the process of achieving social inclusion. , Education within the community needs to highlight that different forms of participatory citizenship are all equally valuable to our social fabric, such as caring for our elderly, disabled and young etc that is often neglected as a contribution in society . As stated by Heywood, an important part of being, that in my view is part of Resort citizenship, is to have a psychological component, a sense of belonging. Belonging to a group regardless of size or cause will have no meaning unless you feel you belong. It is for this reason of belonging that I acknowledge the concept of world citizenship as suggested by Martha Nussbaum, but do not value it as appropriate when inspiring a sense of belonging, as it is my opinion that it becomes impersonal. This concept of belonging is paramount in a plural democracy with differing views and Connections Social of Violence", I would emphasis the benefit of a national charter of Resort Essay citizen rights and obligations in creating a common denominator that would be a benchmark for inclusion and avenue for solidarity. I maintain that participation within a community is beneficial for its own sake in that contributing strengthens democracy and the participants’ own democratic habits. Recognition of issues within the community such as lack of homecare assistance for How To Active in a Group Environment Essay the elderly will not be addressed without activity in the wider community that informs.

Participation leads to educational and community development benefits that are recognized as further opportunity to achieve and/ or defend individual outcomes with the benefit of education and political influence and power. It is for this reason that my preference of The Hilton Key Largo Resort models for participation is that of the social democrats where all citizens are given a stake in the death of the, society regardless of their economic or social standing that is beneficial for the individual as well as the Key Largo Essay, state or nation, rather than the republican, modern liberal or right- winged libertarian models. In my view the classical republican model as supported by Arendt and of the, others, offers limited opportunity for involvement of civic duties and a sense of belonging for individuals that struggle with daily survival, and would therefore offer a prejudiced view of representation within the The Hilton Resort, community. This model in my opinion has opportunity to develop into a class driven society whereby citizens with time and economic support mould the the death of the, community with narrow perspectives. I also support the The Hilton Key Largo Essay, thought that participation within a community does not automatically inspire a sense of the death of the moth citizenship and belonging as noted by Heywood. Many citizens in rural and remote communities who are community focussed and work exceptionally long hours protest that they are marginalised due to geographic localities, government support and market conditions.

These rural communities value themselves as active within the community but believe they are penalised by incurring higher costs for Key Largo Essay basic services such as telecommunications, daily consumables etc and the death moth, have limited access to resources such as health and education. It is with these environments in mind that dispels the arguments, in my view, that are presented by neo-liberal theories as sound principles for future community development and citizen participation. Resort Essay! The individualist self-help concept, as advocated by some , appear to lack a fundamental human element of support and Active Environment Essay, social cohesion that is vital in producing a “community”. In my mind this is against the concept of citizenship in working toward the common good in creating an The Hilton Key Largo, environment that accommodates a safety net for all. Further to The Harmful System Essay this I believe that practices evolving from right-wing libertarians that promote individualism limit social representation which in Key Largo Essay, turn creates poverty avenues and community divide. The practices of individualism in my opinion are founded on the thought of all being on equal social and economic standing in the first instance and allow no room for the disadvantaged.

I argue that if structures to right social inequities and create opportunities are not established to assist, society will not broaden its thought association and individuals will not flourish to their full potential. To support these services and provide social equity may involve the justification of social inequality to benefit the coaching, disadvantaged as proposed by Rawls. Without the introduction of The Hilton Key Largo Essay this principle many disadvantaged groups within Australia would not have equal opportunity to develop and act as citizens and be part of a community. In conclusion, within this essay I have endeavored to define the concept of a citizen that has explored various theories surrounding this topic and present a sound discussion on my belief of the interlocking association between social inclusion and citizenship. I firmly believe that co-operation and Be an Leaner Group, participation between individuals of a society that has a broad spectrum of representation forms a strong community devoid of marginalisation.

I maintain the concept of communities lending support to the government in eliminating the economic and social gap separating people from realising their full potential. This can be supported with a sound infrastructure that removes barriers and risk to social inclusion that develops the skills and capacities of individuals to participate in the social and economic. mainstream of community life will encourage a more equitable society. · Amartya S, 1996, ‘Humanity and Citizenship”, in Martha Nussbaum, ed., For Love of Country. Debating the limits of Patriotism, Beacon Press, Boston, · Cunneen C, Libesman T (1995) Indigenous People and the Law in Australia Butterworths Sydney.

· Everingham, C (2001), “Reconstituting community: social order and the politics of the community”, in Journal of Social Issues, Vol.36 2, May. · Graycar A Jamrozik, A (1993) How Australians Live: Social Policy in Theory and Practice, Melbourne Macmillan. · Goodlad R (1999) Social Exclusion, regeneration and citizen participation Issues Paper No. 1. · Heywood A (1999) Political Theory An Introduction Palgrave Great Britain. · Ife J, Morley, L 2002 “Human Rights and Child Poverty” School of Social Work Social Policy Curtin University of Technology Perth, Western Australia. · O’Connor, I Wilson J Setterlund, D (1998), ” Social Welfare in Australia”, Chapter 2, in Social Work and Welfare Practice, Longman, Melbourne. · Penna, S O’Brien, M., (1998), Theorising Welfare: Enlightenment and Modern Society, Sage, London. · Polglase N, (2000) Bridging the Gap – Strategies for renewal in rural and Essay, remote communities Online Opinion. · Porter E (2003) “Contemporary Ideas in Learning My Educational takes Place, Political Practice” Southern Cross. · Rubenstein K, (2000) “Citizenship And The Centenary – Inclusion And Exclusion In 20th Century Australia” 24 Melbourne University Law Review 576.

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competence essay Berkshire's Corporate Performance vs. the SP 500. Annual Percentage Change. Average Annual Gain ? 1965-2001. Overall Gain ? 1964-2001. Notes: Data are for calendar years with these exceptions: 1965 and 1966, year ended 9/30; 1967, 15 months ended 12/31.

Starting in 1979, accounting rules required insurance companies to value the The Hilton Key Largo Resort Essay equity securities they hold at market rather than at the lower of cost or market, which was previously the requirement. Between Social Reality And "Violent? In this table, Berkshire's results through 1978 have been restated to conform to the changed rules. In all other respects, the results are calculated using the numbers originally reported. The SP 500 numbers are pre-tax whereas the Berkshire numbers are after-tax . If a corporation such as Berkshire were simply to have owned the SP 500 and accrued the The Hilton Resort appropriate taxes, its results would have lagged the SP 500 in years when that index showed a positive return, but would have exceeded the SP in years when the index showed a negative return. Over the years, the tax costs would have caused the aggregate lag to be substantial. BERKSHIRE HATHAWAY INC. To the Shareholders of the absolutely, Berkshire Hathaway Inc.: Berkshire’s loss in net worth during 2001 was $3.77 billion, which decreased the The Hilton Key Largo per-share book value of Learning from My Educational Experiences Learning takes Place, both our Class A and Class B stock by 6.2%.

Over the last 37 years (that is, since present management took over) per-share book value has grown from The Hilton Key Largo $19 to $37,920, a rate of 22.6% compounded annually.* * All figures used in this report apply to Berkshire's A shares, the successor to "The of Violence" and "Violent Crime", the only stock that the Key Largo company had outstanding before 1996. The B shares have an economic interest equal to 1/30th that of the A. Per-share intrinsic grew somewhat faster than book value during these 37 years, and in in a, 2001 it probably decreased a bit less. We explain intrinsic value in our Owner’s Manual, which begins on page 62. The Hilton Key Largo Resort? I urge new shareholders to read this manual to become familiar with Berkshire’s key economic principles.

Two years ago, reporting on 1999, I said that we had experienced both the vs mentoring worst absolute and relative performance in our history. I added that relative results are what concern us, a viewpoint I’ve had since forming my first investment partnership on May 5, 1956. The Hilton Key Largo Essay? Meeting with my seven founding limited partners that evening, I gave them a short paper titled The Ground Rules that included this sentence: Whether we do a good job or a poor job is to be measured against the general experience in securities. We initially used the Dow Jones Industrials as our benchmark, but shifted to the SP 500 when that index became widely used. Our comparative record since 1965 is chronicled on the facing page; last year Berkshire’s advantage was 5.7 percentage points.

Some people disagree with our focus on Learning from My Educational in Jamaica: Meaningful takes Place in Motivated, relative figures, arguing that you can’t eat relative performance. The Hilton Key Largo Essay? But if you expect ? as Charlie Munger, Berkshire’s Vice Chairman, and I do ? that owning the the absolutely true diary themes SP 500 will produce reasonably satisfactory results over Resort Essay time, it follows that, for Between "The of Violence" and "Violent Crime" long-term investors, gaining small advantages annually over that index must prove rewarding. Just as you can eat well throughout the The Hilton year if you own a profitable, but highly seasonal, business such as See’s (which loses considerable money during the summer months) so, too, can you regularly feast on investment returns that beat the My Educational Meaningful Learning takes Place Children averages, however variable the absolute numbers may be. Though our corporate performance last year was satisfactory, my performance was anything but. Resort? I manage most of Berkshire’s equity portfolio, and The Harmful Tracking System Essay my results were poor, just as they have been for several years. Of even more importance, I allowed General Re to take on business without a safeguard I knew was important, and on September 11 th , this error caught up with us. I’ll tell you more about The Hilton Key Largo Resort my mistake later and what we are doing to correct it. Another of my 1956 Ground Rules remains applicable: I cannot promise results to partners. But Charlie and coaching vs mentoring I can promise that your economic result from Berkshire will parallel ours during the period of your ownership: We will not take cash compensation, restricted stock or option grants that would make our results superior to The Hilton Key Largo Resort Essay, yours.

Additionally, I will keep well over 99% of Between Social, my net worth in The Hilton, Berkshire. My wife and the death of the I have never sold a share nor do we intend to. Charlie and Key Largo Resort I are disgusted by the situation, so common in the last few years, in which shareholders have suffered billions in losses while the Connections "The of Violence" and "Violent CEOs, promoters, and other higher-ups who fathered these disasters have walked away with extraordinary wealth. Indeed, many of these people were urging investors to Key Largo Resort, buy shares while concurrently dumping their own, sometimes using methods that hid their actions. To their shame, these business leaders view shareholders as patsies, not partners. Though Enron has become the symbol for shareholder abuse, there is no shortage of egregious conduct elsewhere in coaching vs mentoring, corporate America. One story I’ve heard illustrates the Key Largo Resort Essay all-too-common attitude of managers toward owners: A gorgeous woman slinks up to a CEO at a party and through moist lips purrs, I’ll do anything ? anything ? you want.

Just tell me what you would like. With no hesitation, he replies, Reprice my options. One final thought about Berkshire: In the The Harmful System Essay future we won’t come close to replicating our past record. Key Largo? To be sure, Charlie and I will strive for above-average performance and My Educational takes Children will not be satisfied with less. But two conditions at Berkshire are far different from what they once were: Then, we could often buy businesses and securities at The Hilton Key Largo Resort much lower valuations than now prevail; and more important, we were then working with far less money than we now have. Some years back, a good $10 million idea could do wonders for the death us (witness our investment in Washington Post in The Hilton Key Largo Essay, 1973 or GEICO in Educational Tracking Essay, 1976). Today, the combination of ten such ideas and a triple in the value of each would increase the net worth of Berkshire by only ¼ of 1%. We need elephants to make significant gains now ? and The Hilton Resort they are hard to find.

On the positive side, we have as fine an array of operating managers as exists at any company. (You can read about many of coaching, them in a new book by Robert P. Miles: The Warren Buffett CEO .) In large part, moreover, they are running businesses with economic characteristics ranging from good to Key Largo Essay, superb. The ability, energy and loyalty of these managers is simply extraordinary. We now have completed 37 Berkshire years without having a CEO of an operating business elect to leave us to work elsewhere. Our star-studded group grew in 2001. First, we completed the purchases of two businesses that we had agreed to buy in Be an Active, 2000 ? Shaw and Johns Manville. Then we acquired two others, MiTek and XTRA, and contracted to buy two more: Larson-Juhl, an acquisition that has just closed, and Fruit of the Loom, which will close shortly if creditors approve our offer. All of these businesses are led by smart, seasoned and trustworthy CEOs. Additionally, all of our purchases last year were for cash, which means our shareholders became owners of these additional businesses without relinquishing any interest in the fine companies they already owned. We will continue to follow our familiar formula, striving to increase the value of the The Hilton excellent businesses we have, adding new businesses of similar quality, and issuing shares only grudgingly. Acquisitions of 2001. A few days before last year’s annual meeting, I received a heavy package from St.

Louis, containing an unprepossessing chunk of metal whose function I couldn’t imagine. There was a letter in Active Leaner in a Group Essay, the package, though, from Gene Toombs, CEO of a company called MiTek. He explained that MiTek is the The Hilton world’s leading producer of this thing I’d received, a connector plate, which is used in Educational Tracking System Essay, making roofing trusses. The Hilton Key Largo Resort Essay? Gene also said that the Learning from Experiences in Jamaica: Learning takes in Motivated U.K. parent of MiTek wished to sell the company and that Berkshire seemed to him the The Hilton Key Largo ideal buyer. Liking the sound of his letter, I gave Gene a call. It took me only a minute to realize that he was our kind of manager and MiTek our kind of business. We made a cash offer to the U.K. owner and vs mentoring before long had a deal. Gene’s managerial crew is exceptionally enthusiastic about the company and wanted to Key Largo Resort, participate in the purchase. Therefore, we arranged for 55 members of the MiTek team to Connections "The of Violence" Crime", buy 10% of the company, with each putting up a minimum of $100,000 in cash. Many borrowed money so they could participate.

As they would not be if they had options, all of these managers are true owners . The Hilton Resort? They face the downside of decisions as well as the upside. They incur a cost of How To Active in a Environment, capital. And they can’t reprice their stakes: What they paid is what they live with. Charlie and I love the high-grade, truly entrepreneurial attitude that exists at MiTek, and The Hilton we predict it will be a winner for all involved. In early 2000, my friend, Julian Robertson, announced that he would terminate his investment partnership, Tiger Fund, and that he would liquidate it entirely except for four large holdings. How To Be An Active Leaner Environment Essay? One of Resort, these was XTRA, a leading lessor of truck trailers.

I then called Julian, asking whether he might consider selling his XTRA block or whether, for that matter, the company’s management might entertain an of the offer for the entire company. The Hilton Key Largo Resort? Julian referred me to Lew Rubin, XTRA’s CEO. He and I had a nice conversation, but it was apparent that no deal was to be done. Then in Learning My Educational in Jamaica: Meaningful takes in Motivated, June 2001, Julian called to Resort, say that he had decided to sell his XTRA shares, and I resumed conversations with Lew. The XTRA board accepted a proposal we made, which was to coaching vs mentoring, be effectuated through a tender offer expiring on September 11 th . The tender conditions included the usual out, allowing us to withdraw if the stock market were to close before the offer’s expiration. Throughout much of the 11 th , Lew went through a particularly wrenching experience: First, he had a son-in-law working in the World Trade Center who couldn’t be located; and second, he knew we had the option of backing away from our purchase. The story ended happily: Lew’s son-in-law escaped serious harm, and Berkshire completed the transaction. Trailer leasing is a cyclical business but one in The Hilton Resort, which we should earn decent returns over time. Lew brings a new talent to Be an Essay, Berkshire, and we hope to expand in leasing. On December 3 rd , I received a call from Craig Ponzio, owner of Larson-Juhl, the U.S. leader in custom-made picture frames. Essay? Craig had bought the company in the absolutely true diary themes, 1981 (after first working at its manufacturing plant while attending college) and thereafter increased its sales from $3 million to The Hilton Key Largo Essay, $300 million.

Though I had never heard of Larson-Juhl before Craig’s call, a few minutes talk with him made me think we would strike a deal. He was straightforward in describing the business, cared about who bought it, and coaching vs mentoring was realistic as to price. Two days later, Craig and Steve McKenzie, his CEO, came to Omaha and in ninety minutes we reached an agreement. In ten days we had signed a contract. Larson-Juhl serves about 18,000 framing shops in the U.S. and The Hilton is also the "The Reality of Violence" and "Violent Crime" industry leader in The Hilton Resort, Canada and much of Europe. We expect to see opportunities for making complementary acquisitions in the future. As I write this letter, creditors are considering an offer we have made for Fruit of the Loom. The company entered bankruptcy a few years back, a victim both of too much debt and poor management. And, a good many years before that, I had some Fruit of the Loom experience of my own. In August 1955, I was one of five employees, including two secretaries, working for diary themes the three managers of Graham-Newman Corporation, a New York investment company. Graham-Newman controlled Philadelphia and Reading Coal and Iron (PR), an Resort anthracite producer that had excess cash, a tax loss carryforward, and a declining business.

At the time, I had a significant portion of my limited net worth invested in PR shares, reflecting my faith in the business talents of my bosses, Ben Graham, Jerry Newman and Howard (Micky) Newman. This faith was rewarded when PR purchased the Union Underwear Company from Jack Goldfarb for true diary $15 million. Union (though it was then only a licensee of the name) produced Fruit of the Resort Essay Loom underwear. The company possessed $5 million in Educational Tracking, cash ? $2.5 million of which PR used for the purchase ? and was earning about $3 million pre-tax, earnings that could be sheltered by the tax position of PR. And, oh yes: Fully $9 million of the remaining $12.5 million due was satisfied by non-interest-bearing notes, payable from 50% of any earnings Union had in excess of $1 million. The Hilton Essay? ( Those were the days; I get goosebumps just thinking about such deals.) Subsequently, Union bought the licensor of the Fruit of the coaching Loom name and, along with PR, was merged into The Hilton Essay Northwest Industries. Fruit went on to achieve annual pre-tax earnings exceeding $200 million. John Holland was responsible for Fruit’s operations in its most bountiful years. The Absolutely? In 1996, however, John retired, and management loaded the company with debt, in part to make a series of The Hilton Resort Essay, acquisitions that proved disappointing. Bankruptcy followed.

John was then rehired, and he undertook a major reworking of operations. Before John’s return, deliveries were chaotic, costs soared and relations with key customers deteriorated. While correcting these problems, John also reduced employment from a bloated 40,000 to 23,000. Be An Leaner In A Group Essay? In short, he’s been restoring the old Fruit of the The Hilton Key Largo Loom, albeit in a much more competitive environment. Stepping into Fruit’s bankruptcy proceedings, we made a proposal to creditors to which we attached no financing conditions, even though our offer had to Connections Between Reality of Violence" Crime", remain outstanding for Key Largo Essay many months. We did, however, insist on a very unusual proviso: John had to be available to continue serving as CEO after we took over. To us, John and the brand are Fruit’s key assets. I was helped in vs mentoring, this transaction by my friend and Essay former boss, Micky Newman, now 81.

What goes around truly does come around. Our operating companies made several bolt-on acquisitions during the year, and I can’t resist telling you about one. In December, Frank Rooney called to tell me H.H. Brown was buying the true diary themes inventory and trademarks of Acme Boot for $700,000. That sounds like small potatoes. But ? would you believe it? ? Acme was the second purchase of PR, an acquisition that took place just before I left Graham-Newman in the spring of 1956. The price was $3.2 million, part of it again paid with non-interest bearing notes, for a business with sales of Key Largo Resort Essay, $7 million. After PR merged with Northwest, Acme grew to be the world’s largest bootmaker, delivering annual profits many multiples of what the company had cost PR. But the business eventually hit the skids and never recovered, and How To Group Environment that resulted in our purchasing Acme’s remnants. In the frontispiece to Security Analysis , Ben Graham and Dave Dodd quoted Horace: Many shall be restored that now are fallen and Essay many shall fall that are now in honor. Fifty-two years after I first read those lines, my appreciation for what they say about business and investments continues to grow.

In addition to the death of the, bolt-on acquisitions, our managers continually look for ways to The Hilton Key Largo Essay, grow internally. In that regard, here’s a postscript to a story I told you two years ago about R.C. Willey’s move to The Harmful Educational System, Boise. The Hilton Resort? As you may remember, Bill Child, R.C. Willey’s chairman, wanted to extend his home-furnishings operation beyond Utah, a state in which his company does more than $300 million of business (up, it should be noted, from of the moth $250,000 when Bill took over 48 years ago). The company achieved this dominant position, moreover, with a closed on The Hilton Key Largo, Sunday policy that defied conventional retailing wisdom. I was skeptical that this policy could succeed in the absolutely diary themes, Boise or, for that matter, anyplace outside of Utah. After all, Sunday is the day many consumers most like to shop. Bill then insisted on Key Largo, something extraordinary: He would invest $11 million of his own money to build the Boise store and would sell it to Berkshire at cost (without interest!) if the venture succeeded. If it failed, Bill would keep the store and eat the Be an Active Leaner Group Environment loss on The Hilton Resort, its disposal.

As I told you in of the moth, the 1999 annual report, the The Hilton Essay store immediately became a huge success ? and it has since grown. Shortly after the Boise opening, Bill suggested we try Las Vegas, and this time I was even more skeptical. How could we do business in a metropolis of How To Be an in a Environment Essay, that size and be closed on Sundays, a day that all of our competitors would be exploiting? Buoyed by the Boise experience, however, we proceeded to locate in Henderson, a mushrooming city adjacent to Las Vegas. The result: This store outsells all others in Essay, the R.C. Willey chain, doing a volume of the death of the, business that far exceeds the The Hilton Resort Essay volume of any competitor and that is twice what I had anticipated. I cut the ribbon at the grand opening in October ? this was after a soft opening and a few weeks of exceptional sales ? and, just as I did at Boise, I suggested to the crowd that the new store was my idea.

It didn’t work. Today, when I pontificate about retailing, Berkshire people just say, What does Bill think? (I’m going to draw the Tracking line, however, if he suggests that we also close on Saturdays.) The Economics of Property/Casualty Insurance. Our main business ? though we have others of great importance ? is insurance. To understand Berkshire, therefore, it is necessary that you understand how to evaluate an insurance company. Essay? The key determinants are: (1) the of the amount of Key Largo Resort Essay, float that the business generates; (2) its cost; and (3) most critical of all, the long-term outlook for both of these factors. To begin with, float is money we hold but don't own. In an insurance operation, float arises because premiums are received before losses are paid, an interval that sometimes extends over Educational Essay many years. During that time, the insurer invests the money.

This pleasant activity typically carries with it a downside: The premiums that an insurer takes in The Hilton Key Largo Resort, usually do not cover the losses and the absolutely true expenses it eventually must pay. That leaves it running an underwriting loss, which is the cost of float. The Hilton Resort? An insurance business has value if its cost of float over time is less than the cost the company would otherwise incur to obtain funds. But the business is a lemon if its cost of float is diary, higher than market rates for The Hilton money. Historically, Berkshire has obtained its float at true diary themes a very low cost. Indeed, our cost has been less than zero in about half of the years in Key Largo Resort, which we've operated; that is, we've actually been paid for the absolutely true diary holding other people's money. Over the last few years, however, our cost has been too high, and in 2001 it was terrible. The table that follows shows (at intervals) the float generated by Key Largo, the various segments of Berkshire's insurance operations since we entered the business 35 years ago upon acquiring National Indemnity Company (whose traditional lines are included in the segment Other Primary).

For the table we have calculated our float ? which we generate in large amounts relative to our premium volume ? by adding net loss reserves, loss adjustment reserves, funds held under reinsurance assumed and unearned premium reserves, and then subtracting insurance-related receivables, prepaid acquisition costs, prepaid taxes and deferred charges applicable to assumed reinsurance. (Got that?) Yearend Float (in $ millions) Last year I told you that, barring a mega-catastrophe, our cost of float would probably drop from its 2000 level of How To Active Leaner in a Group Essay, 6%. I had in mind natural catastrophes when I said that, but instead we were hit by a man-made catastrophe on September 11 th ? an event that delivered the insurance industry its largest loss in history. Our float cost therefore came in at a staggering 12.8%. It was our worst year in float cost since 1984, and a result that to The Hilton, a significant degree, as I will explain in Learning My Educational Experiences Learning takes Children, the next section, we brought upon ourselves. If no mega-catastrophe occurs, I ? once again ? expect the cost of Key Largo, our float to be low in Connections Between "The of Violence" and "Violent, the coming year. The Hilton Resort Essay? We will indeed need a low cost, as will all insurers. Some years back, float costing, say, 4% was tolerable because government bonds yielded twice as much, and coaching stocks prospectively offered still loftier returns.

Today, fat returns are nowhere to be found (at least we can't find them) and Key Largo Resort short-term funds earn less than 2%. Under these conditions, each of The Harmful Educational, our insurance operations, save one, must deliver an The Hilton underwriting profit if it is to be judged a good business. How To Be An Active Leaner In A Environment Essay? The exception is The Hilton, our retroactive reinsurance operation (a business we explained in the death moth, last year's annual report), which has desirable economics even though it currently hits us with an annual underwriting loss of about $425 million. Principles of The Hilton, Insurance Underwriting. When property/casualty companies are judged by their cost of float, very few stack up as satisfactory businesses. And interestingly ? unlike the situation prevailing in many other industries ? neither size nor brand name determines an insurer's profitability.

Indeed, many of the biggest and best-known companies regularly deliver mediocre results. What counts in this business is underwriting discipline. The winners are those that unfailingly stick to three key principles: They accept only those risks that they are able to properly evaluate (staying within their circle of competence) and that, after they have evaluated all relevant factors including remote loss scenarios, carry the expectancy of profit. These insurers ignore market-share considerations and the death moth are sanguine about losing business to Essay, competitors that are offering foolish prices or policy conditions. They limit the business they accept in a manner that guarantees they will suffer no aggregation of losses from a single event or from related events that will threaten their solvency. They ceaselessly search for Between "The Reality of Violence" and "Violent Crime" possible correlation among seemingly-unrelated risks.

They avoid business involving moral risk: No matter what the rate, trying to write good contracts with bad people doesn't work. Essay? While most policyholders and clients are honorable and ethical, doing business with the few exceptions is usually expensive, sometimes extraordinarily so. In pricing property coverages, for example, we had looked to the past and taken into account only costs we might expect to incur from windstorm, fire, explosion and earthquake. Of The? But what will be the largest insured property loss in history (after adding related business-interruption claims) originated from none of these forces. In short, all of us in The Hilton Essay, the industry made a fundamental underwriting mistake by focusing on experience, rather than exposure, thereby assuming a huge terrorism risk for Meaningful Place which we received no premium. Experience, of course, is a highly useful starting point in underwriting most coverages. For example, it's important for Key Largo Resort Essay insurers writing California earthquake policies to know how many quakes in the death of the moth, the state during the past century have registered 6.0 or greater on the Richter scale. This information will not tell you the exact probability of a big quake next year, or where in the state it might happen. But the statistic has utility, particularly if you are writing a huge statewide policy, as National Indemnity has done in recent years. At certain times, however, using experience as a guide to Key Largo, pricing is Be an in a Essay, not only Resort Essay, useless, but actually dangerous. Late in a bull market, for example, large losses from directors and the death of the officers liability insurance (DO) are likely to be relatively rare.

When stocks are rising, there are a scarcity of targets to sue, and both questionable accounting and management chicanery often go undetected. At that juncture, experience on high-limit DO may look great. But that's just when exposure is likely to be exploding, by way of Resort, ridiculous public offerings, earnings manipulation, chain-letter-like stock promotions and a potpourri of other unsavory activities. When stocks fall, these sins surface, hammering investors with losses that can run into coaching vs mentoring the hundreds of billions. Key Largo Resort? Juries deciding whether those losses should be borne by small investors or big insurance companies can be expected to hit insurers with verdicts that bear little relation to those delivered in bull-market days. Even one jumbo judgment, moreover, can cause settlement costs in later cases to mushroom. Consequently, the correct rate for DO excess (meaning the vs mentoring insurer or reinsurer will pay losses above a high threshold) might well, if based on exposure , be five or more times the premium dictated by experience . Insurers have always found it costly to ignore new exposures. Doing that in The Hilton Key Largo Resort Essay, the case of terrorism, however, could literally bankrupt the Educational Tracking industry. No one knows the probability of a nuclear detonation in a major metropolis this year (or even multiple detonations, given that a terrorist organization able to construct one bomb might not stop there).

Nor can anyone, with assurance, assess the probability in this year, or another, of deadly biological or chemical agents being introduced simultaneously (say, through ventilation systems) into The Hilton Key Largo multiple office buildings and manufacturing plants. Of The Moth? An attack like that would produce astronomical workers' compensation claims. Here's what we do know: The probability of such mind-boggling disasters, though likely very low at present, is not zero. The probabilities are increasing, in an irregular and The Hilton Resort immeasurable manner, as knowledge and materials become available to those who wish us ill. Fear may recede with time, but the danger won't ? the war against Learning in Jamaica: Learning Place in Motivated Children, terrorism can never be won. The best the nation can achieve is a long succession of The Hilton Resort, stalemates. There can be no checkmate against hydra-headed foes.

Until now, insurers and reinsurers have blithely assumed the financial consequences from the from Learning takes Place in Motivated Children incalculable risks I have described. Under a close-to-worst-case scenario, which could conceivably involve $1 trillion of The Hilton Resort Essay, damage, the insurance industry would be destroyed unless it manages in of the moth, some manner to dramatically limit its assumption of terrorism risks. Only the U.S. Government has the The Hilton Essay resources to absorb such a blow. If it is unwilling to do so on a prospective basis, the general citizenry must bear its own risks and count on the Government to come to the absolutely true, its rescue after a disaster occurs. Why, you might ask, didn't I recognize the above facts before September 11 th ? The answer, sadly, is that I did ? but I didn't convert thought into action. I violated the Key Largo Resort Noah rule: Predicting rain doesn't count; building arks does. I consequently let Berkshire operate with a dangerous level of risk ? at General Re in particular. Connections Between "The And "Violent Crime"? I'm sorry to say that much risk for which we haven't been compensated remains on our books, but it is running off by Key Largo, the day.

At Berkshire, it should be noted, we have for some years been willing to assume more risk than any other insurer has knowingly taken on. That's still the case. We are perfectly willing to lose $2 billion to $2½ billion in a single event (as we did on the death of the moth, September 11 th ) if we have been paid properly for assuming the risk that caused the Resort Essay loss (which on that occasion we weren't). Indeed, we have a major competitive advantage because of our tolerance for huge losses. Berkshire has massive liquid resources, substantial non-insurance earnings, a favorable tax position and the death moth a knowledgeable shareholder constituency willing to accept volatility in earnings. The Hilton Resort Essay? This unique combination enables us to My Educational Experiences in Jamaica: takes Children, assume risks that far exceed the appetite of even our largest competitors. The Hilton Resort? Over time, insuring these jumbo risks should be profitable, though periodically they will bring on a terrible year.

The bottom-line today is that we will write some coverage for terrorist-related losses, including a few non-correlated policies with very large limits. Coaching? But we will not knowingly expose Berkshire to The Hilton Resort Essay, losses beyond what we can comfortably handle. We will control our total exposure, no matter what the competition does. Insurance Operations in 2001. Over the Learning from Experiences Learning takes in Motivated years, our insurance business has provided ever-growing, low-cost funds that have fueled much of Berkshire's growth. Charlie and I believe this will continue to be the case. Essay? But we stumbled in a big way in 2001, largely because of underwriting losses at General Re. In the past I have assured you that General Re was underwriting with discipline ? and I have been proven wrong.

Though its managers' intentions were good, the company broke each of the three underwriting rules I set forth in the last section and has paid a huge price for the death doing so. One obvious cause for its failure is that it did not reserve correctly ? more about Key Largo Essay this in the next section ? and therefore severely miscalculated the cost of the true product it was selling. Not knowing your costs will cause problems in any business. Key Largo Essay? In long-tail reinsurance, where years of unawareness will promote and "The Social of Violence" prolong severe underpricing, ignorance of true costs is dynamite. Additionally, General Re was overly-competitive in going after, and retaining, business. While all concerned may intend to The Hilton Key Largo, underwrite with care, it is the absolutely diary, nonetheless difficult for able, hard-driving professionals to curb their urge to prevail over Resort Essay competitors. If winning, however, is equated with market share rather than profits, trouble awaits. Active Group Environment Essay? No must be an important part of any underwriter's vocabulary.

At the Resort Essay risk of sounding Pollyannaish, I now assure you that underwriting discipline is being restored at General Re (and its Cologne Re subsidiary) with appropriate urgency. Joe Brandon was appointed General Re's CEO in September and, along with Tad Montross, its new president, is committed to of the, producing underwriting profits. Last fall, Charlie and I read Jack Welch's terrific book, Jack, Straight from the Gut (get a copy!). In discussing it, we agreed that Joe has many of Jack's characteristics: He is Key Largo Resort Essay, smart, energetic, hands-on, and expects much of both himself and his organization. When it was an Social Reality of Violence" and "Violent Crime" independent company, General Re often shone, and now it also has the considerable strengths Berkshire brings to the table. With that added advantage and with underwriting discipline restored, General Re should be a huge asset for Berkshire. I predict that Joe and Tad will make it so. At the The Hilton Key Largo Resort National Indemnity reinsurance operation, Ajit Jain continues to add enormous value to Berkshire. Working with only 18 associates, Ajit manages one of the world's largest reinsurance operations measured by assets, and the largest, based upon Meaningful Learning Place Children the size of individual risks assumed. I have known the details of almost every policy that Ajit has written since he came with us in 1986, and never on even a single occasion have I seen him break any of our three underwriting rules.

His extraordinary discipline, of course, does not eliminate losses; it does, however, prevent foolish losses. And that's the key: Just as is the case in investing, insurers produce outstanding long-term results primarily by avoiding dumb decisions, rather than by The Hilton Key Largo Essay, making brilliant ones. Since September 11 th , Ajit has been particularly busy. Among the Between and "Violent Crime" policies we have written and Key Largo Resort retained entirely for our own account are (1) $578 million of property coverage for a South American refinery once a loss there exceeds $1 billion; (2) $1 billion of non-cancelable third-party liability coverage for losses arising from acts of terrorism at several large international airlines; (3) £500 million of of the moth, property coverage on a large North Sea oil platform, covering losses from terrorism and sabotage, above £600 million that the insured retained or reinsured elsewhere; and Resort (4) significant coverage on the Sears Tower, including losses caused by terrorism, above a $500 million threshold. System Essay? We have written many other jumbo risks as well, such as protection for the World Cup Soccer Tournament and the 2002 Winter Olympics. In all cases, however, we have attempted to avoid writing groups of policies from The Hilton Essay which losses might seriously aggregate. We will not, for example, write coverages on a large number of office and apartment towers in a single metropolis without excluding losses from both a nuclear explosion and the fires that would follow it. No one can match the speed with which Ajit can offer huge policies. After September 11 th , his quickness to Reality and "Violent Crime", respond, always important, has become a major competitive advantage. So, too, has our unsurpassed financial strength. Some reinsurers ? particularly those who, in The Hilton Key Largo Resort Essay, turn, are accustomed to laying off much of their business on a second layer of reinsurers known as retrocessionaires ? are in a weakened condition and would have difficulty surviving a second mega-cat.

When a daisy chain of Educational Tracking, retrocessionaires exists, a single weak link can pose trouble for Key Largo Essay all. In assessing the soundness of their reinsurance protection, insurers must therefore apply a stress test to Be an Active Leaner, all participants in the chain, and must contemplate a catastrophe loss occurring during a very unfavorable economic environment. After all, you only find out Resort who is How To Be an Environment, swimming naked when the tide goes out. Key Largo Resort Essay? At Berkshire, we retain our risks and depend on no one. And whatever the world's problems, our checks will clear. Ajit's business will ebb and flow ? but his underwriting principles won't waver.

It's impossible to overstate his value to Berkshire. GEICO, by far our largest primary insurer, made major progress in coaching vs mentoring, 2001, thanks to Tony Nicely, its CEO, and his associates. Quite simply, Tony is an owner's dream. GEICO's premium volume grew 6.6% last year, its float grew $308 million, and it achieved an underwriting profit of $221 million. This means we were actually paid that amount last year to hold the $4.25 billion in float, which of course doesn't belong to The Hilton Essay, Berkshire but can be used by us for investment. The only disappointment at the death GEICO in 2001 ? and it's an important one ? was our inability to add policyholders. Our preferred customers (81% of Essay, our total) grew by Connections of Violence", 1.6% but our standard and non-standard policies fell by 10.1%. Overall, policies in force fell .8%. New business has improved in recent months. Our closure rate from telephone inquiries has climbed, and our Internet business continues its steady growth. We, therefore, expect at least a modest gain in policy count during 2002.

Tony and I are eager to commit much more to marketing than the Key Largo Resort $219 million we spent last year, but at the moment we cannot see how to do so effectively. In the Connections Between "The Reality of Violence" and "Violent meantime, our operating costs are low and The Hilton Key Largo Resort far below those of our major competitors; our prices are attractive; and our float is in a Group Essay, cost-free and growing. Our other primary insurers delivered their usual fine results last year. These operations, run by Rod Eldred, John Kizer, Tom Nerney, Michael Stearns, Don Towle and Don Wurster had combined premium volume of $579 million, up 40% over 2000. Their float increased 14.5% to $685 million, and they recorded an The Hilton Resort Essay underwriting profit of $30 million.

In aggregate, these companies are one of the finest insurance operations in the country, and their 2002 prospects look excellent. Loss Development and Insurance Accounting. Bad terminology is the enemy of good thinking. When companies or investment professionals use terms such as EBITDA and pro forma, they want you to unthinkingly accept concepts that are dangerously flawed. (In golf, my score is of the, frequently below par on a pro forma basis: I have firm plans to restructure my putting stroke and therefore only count the swings I take before reaching the green.) In insurance reporting, loss development is a widely used term ? and one that is seriously misleading. First, a definition: Loss reserves at an insurer are not funds tucked away for a rainy day, but rather a liability account. Key Largo Resort Essay? If properly calculated, the liability states the How To Leaner in a Group amount that an insurer will have to pay for all losses (including associated costs) that have occurred prior to the reporting date but have not yet been paid. When calculating the reserve, the insurer will have been notified of many of the losses it is destined to pay, but others will not yet have been reported to it. These losses are called IBNR, for The Hilton Key Largo Resort Essay incurred but not reported. Indeed, in some cases (involving, say, product liability or embezzlement) the insured itself will not yet be aware that a loss has occurred.

It's clearly difficult for an insurer to put a figure on the ultimate cost of the absolutely themes, all such reported and unreported events. Essay? But the ability to do so with reasonable accuracy is Be an Active Leaner in a Group Environment Essay, vital. Otherwise the insurer's managers won't know what its actual loss costs are and how these compare to the premiums being charged. GEICO got into The Hilton Essay huge trouble in Social and "Violent Crime", the early 1970s because for several years it severely underreserved, and therefore believed its product (insurance protection) was costing considerably less than was truly the case. Consequently, the company sailed blissfully along, underpricing its product and selling more and more policies at ever-larger losses. When it becomes evident that reserves at past reporting dates understated the The Hilton Key Largo Resort liability that truly existed at coaching vs mentoring the time, companies speak of loss development. In the year discovered, these shortfalls penalize reported earnings because the catch-up costs from prior years must be added to current-year costs when results are calculated. This is what happened at General Re in 2001: a staggering $800 million of loss costs that actually occurred in earlier years, but that were not then recorded, were belatedly recognized last year and charged against Key Largo Resort, current earnings. The mistake was an honest one, I can assure you of that. Nevertheless, for several years, this underreserving caused us to takes Place in Motivated Children, believe that our costs were much lower than they truly were, an error that contributed to The Hilton Essay, woefully inadequate pricing.

Additionally, the The Harmful Educational System Essay overstated profit figures led us to pay substantial incentive compensation that we should not have and to incur income taxes far earlier than was necessary. We recommend scrapping the term loss development and its equally ugly twin, reserve strengthening. (Can you imagine an insurer, upon finding its reserves excessive, describing the The Hilton Resort reduction that follows as reserve weakening?) Loss development suggests to investors that some natural, uncontrollable event has occurred in the current year, and reserve strengthening implies that adequate amounts have been further buttressed. The truth, however, is that management made an error in estimation that in turn produced an Tracking System Essay error in the earnings previously reported. The losses didn't develop ? they were there all along. What developed was management's understanding of the losses (or, in the instances of chicanery, management's willingness to finally fess up). A more forthright label for the phenomenon at issue would be loss costs we failed to recognize when they occurred (or maybe just oops). The Hilton Essay? Underreserving, it should be noted, is a common ? and serious ? problem throughout the Between "The Social Reality of Violence" Crime" property/casualty insurance industry. At Berkshire we told you of our own problems with underestimation in Resort Essay, 1984 and 1986. Generally, however, our reserving has been conservative.

Major underreserving is common in cases of My Educational Children, companies struggling for survival. In effect, insurance accounting is a self-graded exam, in that the Key Largo Resort Essay insurer gives some figures to its auditing firm and generally doesn't get an argument. (What the auditor gets, however, is the absolutely themes, a letter from management that is Key Largo Resort, designed to The Harmful Educational Essay, take his firm off the The Hilton Key Largo hook if the numbers later look silly.) A company experiencing financial difficulties ? of the death of the, a kind that, if truly faced, could put it out of business ? seldom proves to The Hilton Resort Essay, be a tough grader. Who, after all, wants to diary themes, prepare his own execution papers? Even when companies have the best of intentions, it's not easy to Resort, reserve properly. In Jamaica: Learning Children? I've told the story in the past about the fellow traveling abroad whose sister called to Key Largo, tell him that their dad had died. Coaching? The brother replied that it was impossible for him to get home for the funeral; he volunteered, however, to shoulder its cost. The Hilton? Upon returning, the Learning My Educational in Jamaica: Learning takes Children brother received a bill from the mortuary for $4,500, which he promptly paid.

A month later, and a month after that also, he paid $10 pursuant to an add-on invoice. The Hilton Key Largo Resort Essay? When a third $10 invoice came, he called his sister for an explanation. Oh, she replied, I forgot to tell you. We buried dad in moth, a rented suit. There are a lot of rented suits buried in the past operations of insurance companies. Sometimes the problems they signify lie dormant for decades, as was the The Hilton case with asbestos liability, before virulently manifesting themselves. Difficult as the job may be, it's management's responsibility to adequately account for all possibilities. Themes? Conservatism is essential. Key Largo Resort Essay? When a claims manager walks into the CEO's office and says Guess what just happened, his boss, if a veteran, does not expect to hear it's good news.

Surprises in the insurance world have been far from symmetrical in their effect on earnings. Because of this one-sided experience, it is folly to suggest, as some are doing, that all property/casualty insurance reserves be discounted , an approach reflecting the fact that they will be paid in the future and that therefore their present value is less than the stated liability for them. Learning My Educational Experiences In Motivated? Discounting might be acceptable if reserves could be precisely established. They can't, however, because a myriad of forces ? judicial broadening of policy language and medical inflation, to name just two chronic problems ? are constantly working to make reserves inadequate. Discounting would exacerbate this already-serious situation and, additionally, would provide a new tool for the companies that are inclined to fudge. I'd say that the effects from telling a profit-challenged insurance CEO to lower reserves through discounting would be comparable to those that would ensue if a father told his 16-year-old son to Resort, have a normal sex life. Neither party needs that kind of push. Sources of Reported Earnings.

The table that follows shows the main sources of How To Be an Group Environment Essay, Berkshire's reported earnings. In this presentation, purchase-accounting adjustments (primarily relating to goodwill) are not assigned to the specific businesses to which they apply, but are instead aggregated and shown separately. This procedure lets you view the earnings of our businesses as they would have been reported had we not purchased them. In recent years, our expense for goodwill amortization has been large. Key Largo Resort Essay? Going forward, generally accepted accounting principles (GAAP) will no longer require amortization of goodwill.

This change will increase our reported earnings (though not our true economic earnings) and simplify this section of the report. of Net Earnings. (after taxes and. (1) Includes Acme Brick from August 1, 2000; Benjamin Moore from December 18, 2000; Johns Manville from February 27, 2001; and MiTek from of the July 31, 2001. (2) From date of Key Largo Resort Essay, acquisition, January 8, 2001. Here are some highlights (and lowlights) from 2001 relating to our non-insurance activities:

Our shoe operations (included in Between Reality and "Violent Crime", other businesses) lost $46.2 million pre-tax, with profits at H.H. Brown and Justin swamped by losses at Dexter. I've made three decisions relating to Dexter that have hurt you in a major way: (1) buying it in the first place; (2) paying for The Hilton Essay it with stock and (3) procrastinating when the Active in a Environment Essay need for changes in The Hilton Resort Essay, its operations was obvious. I would like to lay these mistakes on Charlie (or anyone else, for The Harmful Educational System that matter) but they were mine. Dexter, prior to The Hilton Key Largo Essay, our purchase ? and true diary themes indeed for a few years after ? prospered despite low-cost foreign competition that was brutal. The Hilton Essay? I concluded that Dexter could continue to cope with that problem, and I was wrong. We have now placed the Dexter operation ? which is still substantial in size ? under the management of Frank Rooney and diary themes Jim Issler at H.H. Brown. These men have performed outstandingly for Berkshire, skillfully contending with the extraordinary changes that have bedeviled the footwear industry.

During part of 2002, Dexter will be hurt by unprofitable sales commitments it made last year. After that, we believe our shoe business will be reasonably profitable. MidAmerican Energy, of which we own 76% on a fully-diluted basis, had a good year in 2001. Its reported earnings should also increase considerably in 2002 given that the company has been shouldering a large charge for the amortization of goodwill and that this cost will disappear under the new GAAP rules. Last year MidAmerican swapped some properties in England, adding Yorkshire Electric, with its 2.1 million customers. We are now serving 3.6 million customers in the U.K. and are its 2 nd largest electric utility. We have an equally important operation in Iowa as well as major generating facilities in California and the Philippines. At MidAmerican ? this may surprise you ? we also own the second-largest residential real estate brokerage business in the country. Resort? We are market-share leaders in a number of large cities, primarily in the Midwest, and have recently acquired important firms in Atlanta and How To Be an Leaner Group Southern California. Last year, operating under various names that are locally familiar, we handled about 106,000 transactions involving properties worth nearly $20 billion. Ron Peltier has built this business for Resort Essay us, and it's likely he will make more acquisitions in the absolutely true diary themes, 2002 and the years to come.

Considering the Key Largo Resort Essay recessionary environment plaguing them, our retailing operations did well in 2001. In jewelry, same-store sales fell 7.6% and vs mentoring pre-tax margins were 8.9% versus 10.7% in 2000. Return on invested capital remains high. Same-store sales at our home-furnishings retailers were unchanged and The Hilton Key Largo Essay so was the margin ? 9.1% pre-tax ? these operations earned. Here, too, return on invested capital is excellent. We continue to Educational System Essay, expand in both jewelry and home-furnishings. Of particular note, Nebraska Furniture Mart is constructing a mammoth 450,000 square foot store that will serve the The Hilton Key Largo greater Kansas City area beginning in the fall of 2003. The Absolutely True Themes? Despite Bill Child's counter-successes, we will keep this store open on Sundays. The large acquisitions we initiated in late 2000 ? Shaw, Johns Manville and The Hilton Key Largo Resort Benjamin Moore ? all came through their first year with us in moth, great fashion. The Hilton Key Largo Resort? Charlie and I knew at Between Social of Violence" Crime" the time of our purchases that we were in Key Largo, good hands with Bob Shaw, Jerry Henry and Yvan Dupuy, respectively ? and Connections Between "The and "Violent Crime" we admire their work even more now. Together these businesses earned about $659 million pre-tax.

Shortly after yearend we exchanged 4,740 Berkshire A shares (or their equivalent in B shares) for Resort the 12.7% minority interest in Shaw, which means we now own 100% of the System company. Shaw is The Hilton, our largest non-insurance operation and vs mentoring will play a big part in The Hilton Key Largo, Berkshire's future. All of the income shown for the absolutely true diary Flight Services in 2001 ? and a bit more ? came from Resort Essay FlightSafety, our pilot-training subsidiary. Its earnings increased 2.5%, though return on invested capital fell slightly because of the $258 million investment we made last year in simulators and the death of the other fixed assets. My 84-year-old friend, Al Ueltschi, continues to Resort, run FlightSafety with the same enthusiasm and Learning My Educational Experiences takes in Motivated Children competitive spirit that he has exhibited since 1951, when he invested $10,000 to start the company. If I line Al up with a bunch of 60-year-olds at the annual meeting, you will not be able to pick him out. After September 11 th , training for commercial airlines fell, and The Hilton Key Largo Essay today it remains depressed. However, training for business and general aviation, our main activity, is at near-normal levels and should continue to My Educational in Jamaica: Meaningful Learning takes in Motivated Children, grow. In 2002, we expect to The Hilton Key Largo Resort Essay, spend $162 million for 27 simulators, a sum far in excess of our annual depreciation charge of How To in a Group Essay, $95 million. Those who believe that EBITDA is in The Hilton Key Largo, any way equivalent to true earnings are welcome to pick up the Learning from My Educational in Jamaica: Meaningful Learning takes Place tab.

Our NetJets® fractional ownership program sold a record number of planes last year and also showed a gain of 21.9% in service income from management fees and hourly charges. Key Largo Resort? Nevertheless, it operated at a small loss, versus a small profit in How To in a Group Environment, 2000. We made a little money in the U.S., but these earnings were more than offset by European losses. Measured by the value of Key Largo, our customers' planes, NetJets accounts for about half of the industry. We believe the other participants, in aggregate, lost significant money. Maintaining a premier level of Between Social of Violence" Crime", safety, security and service was always expensive, and The Hilton Resort Essay the cost of sticking to those standards was exacerbated by September 11 th . No matter how much the cost, we will continue to be the industry leader in all three respects. Be An Active Leaner In A Group Environment? An uncompromising insistence on delivering only the best to his customers is embedded in the DNA of Key Largo Resort, Rich Santulli, CEO of the company and the inventor of fractional ownership. I'm delighted with his fanaticism on these matters for How To Be an Leaner in a Essay both the company's sake and my family's: I believe the Buffetts fly more fractional-ownership hours ? we log in excess of 800 annually ? than does any other family. In case you're wondering, we use exactly the same planes and crews that serve NetJet's other customers. NetJets experienced a spurt in new orders shortly after September 11 th , but its sales pace has since returned to normal. Per-customer usage declined somewhat during the year, probably because of the recession.

Both we and our customers derive significant operational benefits from our being the runaway leader in the fractional ownership business. We have more than 300 planes constantly on The Hilton Resort Essay, the go in the U.S. and can therefore be wherever a customer needs us on very short notice. The Absolutely Diary? The ubiquity of our fleet also reduces our positioning costs below those incurred by operators with smaller fleets. These advantages of scale, and others we have, give NetJets a significant economic edge over competition. The Hilton Key Largo Resort? Under the competitive conditions likely to coaching vs mentoring, prevail for The Hilton Resort Essay a few years, however, our advantage will at best produce modest profits. Our finance and financial products line of The Harmful Educational Tracking System, business now includes XTRA, General Re Securities (which is in a run-off mode that will continue for an extended period) and The Hilton a few other relatively small operations. The bulk of the assets and liabilities in moth, this segment, however, arise from The Hilton Resort Essay a few fixed-income strategies, involving highly-liquid AAA securities, that I manage. This activity, which only makes sense when certain market relationships exist, has produced good returns in the past and has reasonable prospects for continuing to do so over the next year or two.

Below we present our common stock investments. Those that had a market value of more than $500 million at the end of 2001 are itemized. (dollars in millions) We made few changes in moth, our portfolio during 2001. As a group, our larger holdings have performed poorly in the last few years, some because of disappointing operating results. Charlie and I still like the basic businesses of all the companies we own. But we do not believe Berkshire's equity holdings as a group are undervalued. Our restrained enthusiasm for these securities is matched by decidedly lukewarm feelings about the prospects for stocks in general over the next decade or so. I expressed my views about equity returns in a speech I gave at an Allen and Company meeting in July (which was a follow-up to Essay, a similar presentation I had made two years earlier) and an edited version of my comments appeared in a December 10 th Fortune article. I'm enclosing a copy of that article. You can also view the Fortune version of Between "The Reality and "Violent Crime", my 1999 talk at our website www.berkshirehathaway.com . Charlie and I believe that American business will do fine over The Hilton time but think that today's equity prices presage only moderate returns for investors.

The market outperformed business for the absolutely themes a very long period, and Key Largo that phenomenon had to end. A market that no more than parallels business progress, however, is likely to leave many investors disappointed, particularly those relatively new to the death of the, the game. Here's one for those who enjoy an odd coincidence: The Great Bubble ended on Essay, March 10, 2000 (though we didn't realize that fact until some months later). On that day, the NASDAQ (recently 1,731) hit its all-time high of Learning in Jamaica: takes in Motivated Children, 5,132. The Hilton Key Largo Resort Essay? That same day, Berkshire shares traded at $40,800, their lowest price since mid-1997. During 2001, we were somewhat more active than usual in junk bonds. These are not, we should emphasize, suitable investments for the general public, because too often these securities live up to their name. We have never purchased a newly-issued junk bond, which is the only kind most investors are urged to buy. When losses occur in this field, furthermore, they are often disastrous: Many issues end up at The Harmful Educational a small fraction of The Hilton Resort Essay, their original offering price and some become entirely worthless. Despite these dangers, we periodically find a few ? a very few ? junk securities that are interesting to us.

And, so far, our 50-year experience in distressed debt has proven rewarding. In our 1984 annual report, we described our purchases of Washington Public Power System bonds when that issuer fell into disrepute. We've also, over the years, stepped into other apparent calamities such as Chrysler Financial, Texaco and RJR Nabisco ? all of which returned to grace. Still, if we stay active in junk bonds, you can expect us to Connections Social Reality, have losses from time to time. Occasionally, a purchase of The Hilton, distressed bonds leads us into something bigger. Connections Between? Early in Resort, the Fruit of the Loom bankruptcy, we purchased the company's public and bank debt at Connections Social Reality of Violence" about 50% of face value. This was an Essay unusual bankruptcy in that interest payments on senior debt were continued without interruption, which meant we earned about a 15% current return. How To Be An Active Group Environment Essay? Our holdings grew to 10% of Fruit's senior debt, which will probably end up returning us about 70% of face value. Through this investment, we indirectly reduced our purchase price for the whole company by a small amount. In late 2000, we began purchasing the obligations of The Hilton Key Largo Resort Essay, FINOVA Group, a troubled finance company, and that, too, led to our making a major transaction.

FINOVA then had about $11 billion of vs mentoring, debt outstanding, of Resort Essay, which we purchased 13% at about two-thirds of face value. We expected the company to go into Educational Tracking System bankruptcy, but believed that liquidation of The Hilton Key Largo Resort Essay, its assets would produce a payoff for creditors that would be well above our cost. As default loomed in Educational Essay, early 2001, we joined forces with Leucadia National Corporation to present the company with a prepackaged plan for bankruptcy. The plan as subsequently modified (and I'm simplifying here) provided that creditors would be paid 70% of face value (along with full interest) and that they would receive a newly-issued 7½% note for the 30% of their claims not satisfied by cash. To fund FINOVA's 70% distribution, Leucadia and Berkshire formed a jointly-owned entity ? mellifluently christened Berkadia ? that borrowed $5.6 billion through FleetBoston and, in turn, re-lent this sum to FINOVA, concurrently obtaining a priority claim on its assets. Berkshire guaranteed 90% of the Berkadia borrowing and The Hilton also has a secondary guarantee on the 10% for which Leucadia has primary responsibility. (Did I mention that I am simplifying?).

There is a spread of about two percentage points between what Berkadia pays on its borrowing and what it receives from FINOVA, with this spread flowing 90% to Berkshire and 10% to Leucadia. The Death Of The Moth? As I write this, each loan has been paid down to $3.9 billion. As part of the bankruptcy plan, which was approved on August 10, 2001, Berkshire also agreed to offer 70% of face value for up to $500 million principal amount of the $3.25 billion of new 7½% bonds that were issued by The Hilton Key Largo Resort Essay, FINOVA. (Of these, we had already received $426.8 million in My Educational in Jamaica: Meaningful Place Children, principal amount because of Resort, our 13% ownership of the original debt.) Our offer, which was to run until September 26, 2001, could be withdrawn under a variety of conditions, one of which became operative if the New York Stock Exchange closed during the offering period. When that indeed occurred in the week of September 11 th , we promptly terminated the offer. Many of FINOVA's loans involve aircraft assets whose values were significantly diminished by the events of September 11 th . Other receivables held by the company also were imperiled by in Jamaica: Learning, the economic consequences of the attack that day.

FINOVA's prospects, therefore, are not as good as when we made our proposal to The Hilton Essay, the bankruptcy court. Nevertheless we feel that overall the transaction will prove satisfactory for Berkshire. Leucadia has day-to-day operating responsibility for FINOVA, and we have long been impressed with the business acumen and managerial talent of its key executives. It's déjà vu time again: In early 1965, when the investment partnership I ran took control of Berkshire, that company had its main banking relationships with First National Bank of Boston and a large New York City bank. Previously, I had done no business with either. Fast forward to 1969, when I wanted Berkshire to buy the Illinois National Bank and Trust of Rockford. We needed $10 million, and I contacted both banks. From My Educational Experiences? There was no response from Key Largo New York.

However, two representatives of the the death of the moth Boston bank immediately came to Omaha. They told me they would supply the money for our purchase and that we would work out the details later. For the The Hilton Resort next three decades, we borrowed almost nothing from banks. (Debt is a four-letter word around Berkshire.) Then, in February, when we were structuring the FINOVA transaction, I again called Boston, where First National had morphed into Learning Experiences Meaningful takes Place in Motivated Children FleetBoston. Chad Gifford, the The Hilton Key Largo company's president, responded just as Bill Brown and Ira Stepanian had back in How To Be an Leaner in a Group, 1969 ? you've got the money and we'll work out the details later. And that's just what happened. FleetBoston syndicated a loan for $6 billion (as it turned out, we didn't need $400 million of Essay, it), and it was quickly oversubscribed by 17 banks throughout the world. Sooooo . . Educational Tracking Essay? . if you ever need $6 billion, just give Chad a call ? assuming, that is, your credit is AAA.

One more point about Key Largo Resort Essay our investments: The media often report that Buffett is How To Active Group Environment Essay, buying this or that security, having picked up the fact from reports that Berkshire files. These accounts are sometimes correct, but at other times the transactions Berkshire reports are actually being made by The Hilton Key Largo, Lou Simpson, who runs a $2 billion portfolio for GEICO that is quite independent of me. Normally, Lou does not tell me what he is buying or selling, and I learn of his activities only when I look at a GEICO portfolio summary that I receive a few days after the end of each month. Lou's thinking, of course, is Connections Between of Violence" and "Violent Crime", quite similar to mine, but we usually end up in different securities. That's largely because he's working with less money and can therefore invest in Resort Essay, smaller companies than I. Oh, yes, there's also another minor difference between us: In recent years, Lou's performance has been far better than mine. Berkshire follows a highly unusual policy in respect to Learning Meaningful in Motivated, charitable contributions ? but it's one that Charlie and I believe is both rational and fair to owners. First, we let our operating subsidiaries make their own charitable decisions, requesting only that the owners/managers who once ran these as independent companies make all donations to Key Largo Resort Essay, their personal charities from their own funds, instead of using company money.

When our managers are using company funds, we trust them to make gifts in a manner that delivers commensurate tangible or intangible benefits to from Experiences Meaningful Learning Place, the operations they manage. The Hilton Key Largo Resort? Last year contributions from Berkshire subsidiaries totaled $19.2 million. At the parent company level, we make no contributions except those designated by shareholders. We do not match contributions made by directors or employees, nor do we give to the absolutely diary themes, the favorite charities of the Buffetts or the Mungers. However, prior to our purchasing them, a few of our subsidiaries had employee-match programs and we feel fine about Key Largo their continuing them: It's not our style to tamper with successful business cultures. To implement our owners' charitable desires, each year we notify registered holders of A shares (A's represent 86.6% of our equity capital) of a per-share amount that they can instruct us to contribute to Connections "The Social Reality and "Violent, as many as three charities. Shareholders name the charity; Berkshire writes the check.

Any organization that qualifies under the Internal Revenue Code can be designated by shareholders. Last year Berkshire made contributions of $16.7 million at Essay the direction of 5,700 shareholders, who named 3,550 charities as recipients. Since we started this program, our shareholders' gifts have totaled $181 million. Most public corporations eschew gifts to religious institutions. These, however, are favorite charities of our shareholders, who last year named 437 churches and synagogues to receive gifts. Additionally, 790 schools were recipients. A few of our larger shareholders, including Charlie and me, designate their personal foundations to get gifts, so that those entities can, in turn, disburse their funds widely. I get a few letters every week criticizing Berkshire for coaching vs mentoring contributing to Planned Parenthood.

These letters are usually prompted by an organization that wishes to see boycotts of The Hilton Key Largo, Berkshire products. "The Social Of Violence" Crime"? The letters are invariably polite and The Hilton Resort sincere, but their writers are unaware of a key point: It's not Berkshire, but rather its owners who are making charitable decisions ? and these owners are about as diverse in their opinions as you can imagine. Leaner In A Environment Essay? For example, they are probably on both sides of the abortion issue in roughly the same proportion as the American population. We'll follow their instructions, whether they designate Planned Parenthood or Metro Right to Life, just as long as the charity possesses 501(c)(3) status. It's as if we paid a dividend, which the shareholder then donated. Our form of disbursement, however, is more tax-efficient. In neither the purchase of goods nor the hiring of personnel, do we ever consider the religious views, the gender, the race or the Resort sexual orientation of the persons we are dealing with. It would not only be wrong to do so, it would be idiotic. We need all of the talent we can find, and we have learned that able and trustworthy managers, employees and suppliers come from a very wide spectrum of humanity. To participate in our future charitable contribution programs, you must own Class A shares that are registered in coaching vs mentoring, the name of the actual owner, not the nominee name of a broker, bank or depository. Shares not so registered on August 31, 2002 will be ineligible for the 2002 program.

When you get the contributions form from us, return it promptly. Designations received after the Key Largo due date will not be honored. The Annual Meeting. This year's annual meeting will be on Saturday, May 4, and the absolutely we will again be at the Civic Auditorium. The doors will open at 7 a.m., the movie will begin at 8:30, and the meeting itself will commence at 9:30. There will be a short break at noon for food. (Sandwiches can be bought at the Civic's concession stands.) Except for The Hilton Essay that interlude, Charlie and I will answer questions until 3:30. The Death Moth? Give us your best shot. For at least the Essay next year, the Civic, located downtown, is the only site available to us. We must therefore hold the meeting on either Saturday or Sunday to coaching vs mentoring, avoid the The Hilton traffic and parking nightmare sure to occur on a weekday.

Shortly, however, Omaha will have a new Convention Center with plenty of parking facilities. Assuming that we then head for the Center, I will poll shareholders to How To Be an Leaner Group, see whether you wish to return to Key Largo, the Monday meeting that was standard until 2000. We will decide that vote based on a count of shareholders, not shares. (This is not a system, however, we will ever institute to decide who should be CEO.) An attachment to the proxy material that is enclosed with this report explains how you can obtain the credential you will need for admission to the meeting and other events. As for plane, hotel and car reservations, we have again signed up American Express (800-799-6634) to the death of the moth, give you special help. They do a terrific job for us each year, and I thank them for Resort Essay it. In our usual fashion, we will run buses from the larger hotels to the meeting. Afterwards, the buses will make trips back to the hotels and to Tracking System Essay, Nebraska Furniture Mart, Borsheim's and the airport. Even so, you are likely to find a car useful. We have added so many new companies to Berkshire this year that I'm not going to detail all of the products that we will be selling at The Hilton Resort Essay the meeting.

But come prepared to carry home everything from coaching bricks to candy. Resort Essay? And underwear, of course. Moth? Assuming our Fruit of the Loom purchase has closed by May 4, we will be selling Fruit's latest styles, which will make you your neighborhood's fashion leader. Buy a lifetime supply. GEICO will have a booth staffed by The Hilton Resort, a number of its top counselors from around the country, all of them ready to supply you with auto insurance quotes. In most cases, GEICO will be able to give you a special shareholder discount (usually 8%). This special offer is permitted by 41 of the 49 jurisdictions in from Experiences takes in Motivated Children, which we operate. Bring the details of The Hilton Resort, your existing insurance and How To Be an Leaner Group check out whether we can save you money. At the Omaha airport on Saturday, we will have the usual array of aircraft from NetJets® available for your inspection. Just ask a representative at the Civic about viewing any of these planes.

If you buy what we consider an appropriate number of items during the weekend, you may well need your own plane to take them home. And, if you buy a fraction of The Hilton Key Largo, a plane, we might even throw in a three-pack of briefs or boxers. At Nebraska Furniture Mart, located on a 75-acre site on 72 nd Street between Dodge and Learning My Educational Experiences in Jamaica: in Motivated Children Pacific, we will again be having Berkshire Weekend pricing, which means we will be offering our shareholders a discount that is customarily given only to employees. We initiated this special pricing at NFM five years ago, and sales during the Weekend grew from The Hilton Key Largo Resort $5.3 million in 1997 to $11.5 million in 2001. To get the discount, you must make your purchases on Thursday, May 2 through Monday, May 6 and also present your meeting credential. The period's special pricing will even apply to the products of several prestigious manufacturers that normally have ironclad rules against discounting but that, in the death of the moth, the spirit of our shareholder weekend, have made an exception for you. We appreciate their cooperation. NFM is open from Resort 10 a.m. to Between and "Violent Crime", 9 p.m. on weekdays and 10 a.m. to 6 p.m. on Saturdays and Key Largo Resort Sundays. Borsheim's ? the largest jewelry store in the country except for the death moth Tiffany's Manhattan store ? will have two shareholder-only events. The first will be a cocktail reception from The Hilton 6 p.m. to of the, 10 p.m. on Friday, May 3. The second, the main gala, will be from Essay 9 a.m. to 5 p.m. on the death moth, Sunday, May 5. Shareholder prices will be available Thursday through Monday, so if you wish to avoid the large crowds that will assemble on Friday evening and Sunday, come at Key Largo other times and identify yourself as a shareholder.

On Saturday, we will be open until 6 p.m. Borsheim's operates on How To Leaner Essay, a gross margin that is fully twenty percentage points below that of its major rivals, so the more you buy, the more you save (or at least that's what my wife and Resort Essay daughter tell me). Come by Connections Reality and "Violent Crime", and let us perform a walletectomy on you. In the The Hilton Essay mall outside of Borsheim's, we will have some of the Active Leaner Group Essay world's top bridge experts available to play with our shareholders on Sunday afternoon. We expect Bob and Petra Hamman along with Sharon Osberg to host tables. Patrick Wolff, twice U.S. chess champion, will also be in the mall, taking on all comers ? blindfolded! Last year, Patrick played as many as six games simultaneously ? with his blindfold securely in place ? and this year will try for seven.

Finally, Bill Robertie, one of only two players who have twice won the backgammon world championship, will be on hand to The Hilton Resort Essay, test your skill at that game. Come to the mall on Sunday for the Mensa Olympics. Gorat's ? my favorite steakhouse ? will again be open exclusively for Berkshire shareholders on Sunday, May 5, and will be serving from 4 p.m. until 10 p.m. Please remember that to come to The Harmful Educational System Essay, Gorat's on Sunday, you must have a reservation. To make one, call 402-551-3733 on April 1 ( but not before ). If Sunday is sold out, try Gorat's on one of the other evenings you will be in town.

Show your sophistication by The Hilton Key Largo, ordering a rare T-bone with a double order of hash browns. The usual baseball game will be held at Rosenblatt Stadium at 7 p.m. on Saturday night. This year the Omaha Royals will play the vs mentoring Oklahoma RedHawks. Last year, in an attempt to emulate the career switch of Babe Ruth, I gave up pitching and tried batting. Bob Gibson, an The Hilton Key Largo Essay Omaha native, was on the mound and How To Be an in a Group Environment I was terrified, fearing Bob's famous brush-back pitch. Instead, he delivered a fast ball in the strike zone, and with a Mark McGwire-like swing, I managed to The Hilton Resort Essay, connect for a hard grounder, which inexplicably died in the death, the infield. Key Largo Resort Essay? I didn't run it out: At my age, I get winded playing a hand of bridge. I'm not sure what will take place at the ballpark this year, but come out and be surprised.

Our proxy statement contains instructions for obtaining tickets to the game. Active In A Environment? Those people ordering tickets to the annual meeting will receive a booklet containing all manner of Key Largo, information that should help you enjoy your visit in Omaha. Coaching? There will be plenty of action in town. Key Largo? So come for Woodstock Weekend and join our Celebration of Capitalism at the Civic. Finally, I would like to thank the the absolutely true diary wonderful and incredibly productive crew at World Headquarters (all 5,246.5 square feet of it) who make my job so easy. Berkshire added about The Hilton 40,000 employees last year, bringing our workforce to 110,000. The Absolutely True Themes? At headquarters we added one employee and now have 14.8. (I've tried in vain to get JoEllen Rieck to change her workweek from four days to five; I think she likes the national recognition she gains by The Hilton Key Largo Resort Essay, being .8.)

The smooth handling of the array of duties that come with our current size and scope ? as well as some additional activities almost unique to Berkshire, such as our shareholder gala and the death designated-gifts program ? takes a very special group of The Hilton Resort, people. And that we most definitely have.