text: Recognizing that technology can only supplement—not supplant—personal relation- 
  
  ships, we created an organization of business technology solutions managers in our ﬁeld 
  
  ofﬁces. These specialists provide hands-on support to property-casualty agents who use The 
  
  Hartford’s online tools. 
  
  This successful high-tech, high-touch mix is one reason why we estimate our small- 
  
  business insurance growth rate is ﬁve to six times the industry average. Another reason is 
  
  that we strategically target these businesses’ unmet needs. Our new CyberFlexTM business 
  
  insurance coverage, for example, is geared to traditional brick-and-mortar businesses that 
  
  have some exposure for cyber-risk in their normal course of doing business—such as using 
  
  e-mail or operating a Web site. 
  
  Our focus on growth never distracts us from the bottom line. When markets or busi- 
  
  nesses prove unproﬁtable, we’re nimble enough to take quick action. We exited the 
  
  European property-casualty business in 2001, focusing instead on ﬁnancial services in Asia. 
  
  We also repositioned our reinsurance business to concentrate on the U.S. market, where  **Tom Marra,**
  **President and Chief Operating**
  we’re already strong. 
  **Ofﬁcer, Life Operations**
  
  In all our operations, we’ve built a well-deserved reputation as a premier partner 