* I am sharing my personal views not the views of RenaissanceRe or any of its subsidiary companies. * Thought provoking only: The materials are provided for information purposes only and are in summary form. * This is not consulting: No representations or warranties are given. If you want to use these ideas, hire a pro. * This is not financial advice: No financial advice is being given nor any recommendation to invest in any product. * Historical data is no assurance as to future results.