Clients choose Altus over other insurance brokers because of our objectivity, our technical strength, our reputation and negotiating leverage with the leading markets, our creativity in developing alternative risk management solutions, and the quality of our people. We are unfettered by the baggage associated with the traditional insurance brokerage business model. We provide advice over products. Our clients' interests are our only interests. Because none of our employees are compensated by commission, we can deliver advice and services objectively, regardless of how much or how little insurance our client's actually buy. Our goal is to develop cost-effective risk management solutions for our clients that work for each of them. We are able to structure sophisticated programs that provide above market protection with below-market frictional costs.