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All have "Limited" after their names with the "Limited" not shown below purely to avoid unnecessary duplication. This list excludes entities trading in Bermuda but not registered as incorporated showing "Limited" after their name.

Showing date incorporated in Bermuda with date shown the American way. Maiden, whose head office is in Ideation House on Pitts Bay Road, has been undergoing a strategic review of operations in recent months.

The company said anticipated restructuring and related expense reductions are expected to improve its business performance and profitability, as well as significantly reducing the amount of capital that Maiden needs for its operations.

The team will operate from new offices in Mt Laurel, New Jersey. TransRe said the renewal rights focused on regional property and casualty, accident and health, and personal auto insurers.

We are deeply grateful to the Maiden team for their continued efforts in this challenging environment and, prospectively, we will coordinate closely with clients to ensure a smooth transition.

But Art Raschbaum is hopeful that even if that occurred, clients would remain loyal. Maiden has an A excellent financial strength rating from AM Best.

We see no change in that process. Its combined ratio deteriorated to That storm occurred five years ago.

Investment earnings and invested assets continue to grow and operating cash flow was strong. Art Raschbaum, chief executive officer of the Bermuda-based company, said: We have however increased our reserves in these lines in the quarter in response to elevated severity in specific jurisdictions.

Absent adverse development, this will improve both return on equity and operating results in future quarters. The combined ratio for the second quarter rose to Maiden, which has offices on Front Street, had announced the charge last week.

Importantly, our underwriting year expected loss ratios reflect solid profitability. While the market remains competitive, we were able to expand our business in by leveraging our strong franchise and value-added products and services.

We believe our prospects for continued disciplined growth are strong. Additionally, we are in an excellent position to improve our cost of capital, and will explore opportunities to refinance our existing indebtedness in at an improved rate.

Gross premiums rose 6. The Bermuda-based company, which has offices at Front Street, is due to report fourth-quarter and full-year earnings on February We believe we have taken appropriate steps to respond to adverse development and believe this reserve strengthening will help to stabilize forward performance and profitability.

The company said it expected no change to be made to its quarterly dividend policy. Gross premiums written for the quarter went up Net investment income also went up 8.

Changed its name from Compensation Risk Managers. One of the prominent exceptions to the rule that Bermuda international or exempted companies cannot operate in Bermuda.

This group once until operated Bermuda's Elbow Beach Hotel, among many others. It had already rebuilt one five-star hotel in the Libyan capital, with another due for completion.

The Daily Telegraph newspaper in the UK stated one of the major financial backers of Magna Holdings is Wafic Said, a controversial billionaire who has homes in Britain.

Leading maritime shipping technology firm. Named after German physicist Heinrich Gustav Magnus who discovered that a rotating cylinder exposed to a stream of wind generates a force perpendicular to the direction of the wind.

Delivers onboard systems tracked from Magnus discoveries that reduce fuel consumption and emissions for many clients owning and operating global shipping fleets.

The Investors in People IPP Standard is an international framework and mark of excellence for people management across 75 countries, enabling organisations to realize improved business results and strategic targets.

Mandarin Oriental chief executive Edouard Ettedgui said: It also operates or is developing 17 residential developments connected to its properties.

He told guests at the Royal Bermuda Yacht Club that the Chinese market was 99 per cent Chinese-owned and investors, with state-limited information, tended to move in packs.

Mr Boesky said over the last few years, a new Chinese administration had raised its interest rate, currently at more than 5 per cent, compared to near zero in the US and Europe, and cleaned up corruption after years of a building boom, but had now signaled interest rate cuts to stimulate service industries.

The leaders have a vision, which is spot on, that China will reaccelerate a second boom which will be services-driven. Manages a range of diversified Bermuda insurance and reinsurance-based investments.

CatCo also has substantial financial backing from the Qatari Insurance Company. Tony Belisle, chief executive of Markel Catco, said: The company with a focus on collateralized reinsurance products was hit hard by catastrophes in the third quarter.

And after its successful first wave of raising capital, it intends to publish a prospectus in early November with the aim of closing the fundraise, through a placing of new C shares, by the end of the month.

The ability to raise and deploy this significant amount of additional capital is testament to the Markel CatCo team focus on providing both exceptional, long term returns to our investors and, also, the highest levels of service to our reinsurance clients.

Markel, based in the US but with this Bermuda subsidiary, is expected to take over State National in the cash transaction by the end of the year.

We believe this transaction with Markel is good for our employees and clients, as well as our shareholders.

Markel recognizes our shared commitment to offering unique, high-quality solutions that simplify the complexities of insurance for clients nationwide.

We have long respected Markel and are proud to partner with this distinguished company that has a strong reputation and proven track record of success in acquiring and partnering with insurance companies.

This transaction is all about growth, not cost-cutting, and we believe that State National employees will benefit from being part of a larger, stronger, growth-oriented company with a more diversified platform.

Our success is driven by the ongoing efforts of our talented employees and I thank them for their continued hard work and dedication. We look forward to working with Markel to quickly complete the transaction and are committed to ensuring a smooth transition.

Members of the Ledbetter family have entered into a voting agreement with Markel in support of the merger. Catco is to be acquired by US financial holding company Markel Corporation.

The deal is expected to close in the fourth quarter of this year, subject to conditions. Financial details and terms relating to the Catco deal have not been disclosed.

However, there will be no changes to the Catco team, which will continue operating in Bermuda under the new name of Markel Catco Investment Management , led by chief executive officer Tony Belisle.

Markel Corporation has its headquarters in Virginia. We felt this partnership offered a rare opportunity for Catco to combine with a culturally similar organization which shares our results-oriented commitment to success and market leadership.

Catco has grown significantly since its launch in , and the agreement with Markel will allow the same management team to maintain its commitment to both client service and continual product innovation.

Markel primarily markets and underwrites specialty insurance products. While Markel has a long and successful track record in the insurance linked securities space, the addition of the Catco team takes our capabilities to an entirely new level.

The current challenges in the reinsurance and retrocessional markets are well documented. Despite these short-term challenges, we believe that with innovative products and services the long-term future is bright.

Markel is restructuring its insurance operations to combine two divisions into one. The company, which is based in the US, but which has offices on Front Street, said the new division, to be known as Markel Assurance, would be up and running by the start of next year.

Bermuda will host an underwriting team for the new division, as will Dublin and London. In the US, Markel Assurance will operate through a regional structure with ten offices in six regions serving all major insurance hubs.

Creating this new division will help Markel maintain its leadership position. The two companies, both of which have operations in Bermuda, announced agreement on the takeover deal on Tuesday.

It is expected to close in the spring of Given that the two firms have a combined global workforce of around 75,, as many as 3, jobs could be at risk.

The maker of chips for Apple Inc. Today, Marvell makes processors that run smartphones, has its US operating subsidiary in Santa Clara, California and operations worldwide with approximately 5, employees.

Cavium shares rose to a record yesterday, while Marvell also gained. Cavium, which is based in San Jose, California, makes networking processors and is one of several companies trying to use ARM Holdings technology to break into the server microprocessor market.

The acquisition of Cavium is the biggest deal for Marvell chief executive officer Matthew J. Murphy, who took the role last year after an accounting scandal forced the resignation of his predecessor.

Medallion International A hedge fund management firm with close links to Mr. Terms of the transaction were not disclosed.

MediaAlpha is an advertising technology company. It operates exchange platforms that facilitate real-time transactions between advertisers and publishers of performance media i.

MediaAlpha has developed distinctive platform solutions for a range of insurance verticals, including auto, motorcycle, home, renter, health and life, and non-insurance verticals, including travel, education, personal finance and home services.

Medici Ventures LLC This entity reaffirmed with a memorandum of understanding signed with the Bermuda Government its intention to create 30 jobs in Bermuda.

Government has signed a Memorandum of Understanding with this second fintech business as efforts to build the industry in Bermuda continue.

David Burt, the Premier, announced this morning that an MOU had been signed with Medici Ventures with the intent to create jobs and educational opportunities for Bermudians.

The company was formed to incubate, launch and invest in blockchain investments. The MOU also promised at least 30 jobs in Bermuda over the next three years.

The company will develop a security token trading platform in Bermuda and work with the Bermuda Government to develop and improve a legal and regulatory framework.

We look forward to working with Medici to ensure that the commitments made in this MOU are realised. Bermuda is at the forefront of the fintech industry creating an environment in which Bermudian businesses can thrive, opportunities for Bermudians can be created and in which capable, qualified Bermudians can benefit from opportunities to train, work and succeed at every level.

The House of Assembly approved legislation to regulate Initial Coin Offerings on Friday, with legislation covering cryptocurrencies expected to be tabled soon.

A couple of years later I am happy that two courts have decided otherwise. Without having a consistent revenue stream, stronger than what we had in , any other ultimate ruling would have devastated the Corporation of Hamilton.

That is the number I consider we have saved the rate payers as the Corporation is simply the institution that acts on their behalf and those who use our city and its services.

In the meantime we are still actively trying to regain lost parking revenue and to be in a position to reinvest in vital city capital projects.

We have a commitment from Government to support us in this regard as they are fully aware of the implications of further delay. We are pleased that a Hamilton Parking Ordinance is to be presented to Parliament in this sitting and the enactment of the Traffic Offences Procedure Amendment and Validation Act within the next couple of weeks.

The Corporation initially concluded it did not have a defence to the claim and a Consent Ruling was made by the court in May against the Corporation for the full amount.

However, the City launched a fresh legal challenge in June to set aside the Consent Order on the basis it had no power to make the original guarantee and therefore it should be null and void.

When considering the matter in the round, in my judgment the most important contextual feature is that it is in principle undesirable for the court to enforce a guarantee which is in law a nullity.

This outweighs the various contextual features pointing in the other direction, including the serious prejudice to MIF which may be caused by not enforcing the guarantee.

There are a number of other capital projects necessitating corrective maintenance or further development.

This could be the first time in a number of years where we get to stand up on two feet and get things done, rather than being hobbled and looking at what has to be put off for another year.

We did not enter into this action gladly. The guarantee was the wrong commitment made at the wrong time supporting the wrong developer. All parties involved in seeking the guarantee were aware of the ultra vires concern, everyone believed the issue had been corrected through legislation.

If we had not fought this issue, it would have cost every Bermudian in one way or the other. We did not think it fair to accept what was, because of the ultra vires, an agreement voided from the start.

Taking this legal action was the best means to protect the Hamilton community from what was a horrible, ill-considered undertaking.

Court actions in the UK continue the effort to recover the monies inexplicably released to a Gibraltar-based company.

While this action is less our battle now, we invested in the outcome when no one else was interested in seeking recovery. He told this newspaper: Last week, senator Fahy told this newspaper the corporation could reach an agreement within days to satisfy its debt over the matter.

On the same date, the Corporation entered into a guarantee of the loan and, as security for that guarantee, it provided MIF with a first mortgage over the Par-la-Ville parking lot.

No sensible timeframe has been provided, this despite the fact that your client promised to repay our client either at the end of or during the first week of January.

Further, our client is deeply disappointed to now learn that your client is not intending repaying the judgment interest to which our client is legally entitled.

Clarendon House, Hamilton HM USA head office is the largest brokerage of exchange-traded futures contracts. The answer is they are all listed to be covered by a new captive insurance company based on the island.

And that is only part of the story. Of greater significance is that the captive insurance company is thought to be the first in the world set up and run by students.

And it was no accident. Bermuda was ultimately chosen after other factors were weighed, such as the size and maturity of its insurance market, sophisticated infrastructure and the helpful nature of organisations including the Bermuda Monetary Authority and the Bermuda Business Development Agency.

This week, some of the students, along with facility members, visited the island to build relationships with service companies and organisations.

There are also potential benefits for Bermuda and Bermudians, as Butler University would welcome students from the island who are pursuing studies in risk management, insurance and other business disciplines.

A further beneficial spin-off for the students has been learning more about what is actually being insured through the captive.

Trip is a real dog with an impressive 20, followers on Twitter. For Butler University, having its own captive insurance company will provide greater loss controls.

Since news of the pioneering student-run captive was announced earlier this year, it has featured in more than media reports, according to Mr Standifird.

However, a bigger story in his eyes is the shortage of qualified professionals preparing for the anticipated , new employees the insurance industry will need by People should be paying attention to this.

Butler University is underscoring its leading role in the field by giving students real-life experience operating a captive insurance company, together with opportunities to intern at partner companies.

Anna Geist and Josh Toly, two of the students closely involved with the captive and among those visiting Bermuda this week, are currently interning with Aon.

Mr Finn said companies know they can come to Butler and recruit people with hands-on knowledge. You have to have the right people in place.

Mr Finn believes others may follow. We are looking for partners in industry, and we would like to see others [form captives]. As for the third stage, he said: A leading alternative fund administration company providing full-service fund administration, middle office and reporting services to hedge funds, fund of funds, managed accounts, family offices, private equity and real estate funds.

It is the first time the Mitsubishi financial group has made a wholly owned acquisitions of a non-Japanese business.

Clients can look forward to the addition of numerous new services including banking, custody, trust, foreign exchange and securities lending. The acquisition of BFG was completed on September And the senior management team, as well as all management and staff in all Butterfield Fulcrum offices will remain with the company.

Butterfield Fulcrum employs around 40 staff in Bermuda and has offices on Burnaby Street. Butterfield Fulcrum was part owned by Butterfield Bank and private equity firm 3i Group.

MLG Blockchain A blockchain consulting and development firm. Provides educational Blockchain workshops in Bermuda.

We would only serve to perform our services and collect the funds to make them available to the committee for disbursement.

We are also per cent committed to establishing a legacy for Bermuda in that we implement a safe, responsible and controlled environment for gaming, including stringent anti-money laundering and vulnerable player controls.

We fully believe that the Bermuda public should be educated on gaming prior to the referendum and that there should have been a referendum on gaming.

Responding, Mr Pettingill said: This was made clear by the former entire Cabinet. To date it has not gotten to the stage of being tendered, as no decision has been reached by the new administration.

We are asking for nothing up front and we are giving the vast majority of profits back to Bermuda and Bermudians.

We are not an overseas entity trying to enter the market and extract tens of millions of dollars from Bermuda to fund offshore interests.

We are here to stay and make sure that Bermuda is not adversely impacted by the gaming industry. This is an opportunity for Bermudians to help to form their own opinion on the best plan for Bermuda.

To do anything less not only jeopardizes the ability of the industry to secure a correspondent banking relationship, but can also damage the reputational brand of the island.

The agreement itself, obtained through public access to information, was non-binding, conditional upon the legalisation of casino-style gaming and was signed by Mr Crockwell as tourism minister and witnessed by Mr Pettingill, then the Attorney-General, on December 3, , a year before casino gaming was given the green light by Parliament.

Mr Crockwell later tabled the Casino Gaming Act, which passed in Parliament in December , paving the way for a casino industry in Bermuda.

Ms Blakeney wrote on May 2: If I am missing something here, I would appreciate your guidance. In doing so, it became ineligible to apply again for a licence for five years.

Such withdrawals can result in a five-year period of ineligibility to apply for a licence, in certain circumstances. He said since her letter was sent, Banyan had removed the names of Jason Seelig and Mac Seelig from its website.

If, in fact, Mac and Jason are no longer listed on the Banyan website to create the impression that our past licensing concerns are no longer relevant, then I believe it is safe to conclude that the legislative mandate option is still being considered Mr Vertes is being sued by Mr Schuetz for defamation.

Matters related to gaming systems should be addressed by the gaming commission. Keith Furlong, from DGC, told this newspaper: The company does not wish to comment further.

The Irish Times said: It is exempt from all forms of taxation including income, capital gains and withholding taxes as it is tax resident in Bermuda.

The firm has no employees and its three directors have addresses in Bermuda. The agricultural product company Monsanto produces genetically engineered seeds used by farmers for their pest resistance and ability to produce bigger crops.

The crops have drawn criticism from organic food advocates who say they are harmful to people and the environment. But Monsanto has maintained that its seeds improve agriculture by helping farmers produce more from their land while conserving resources such as water and energy.

Morgan Creek International changed its name, see under Inverness Distribution. Won a multi-million-dollar US government contract to train police officers in Iraq.

Was accused in April of using its Bermuda shell company to shield itself from US taxes. T he Boston Globe reported that the Bermuda office appeared to have no staff, telephone number, or website.

Said by it to be one of the offshore entities to avoid US taxes, even as they profit from lucrative federal contracts. With the granting of all necessary regulatory approvals, the acquisition was completed at the end of last week.

Shares of Montpelier Re ceased to trade when markets closed on Friday. Three directors of Montpelier have been appointed as non-executive directors on the board of Endurance.

We expect the transaction to enhance the long-term value of our business for shareholders with accretion to earnings per share and return on equity.

He was formerly managing director of OneBeacon. Mr Marsh worked for Atrium Underwriting Group for 40 years.

Before he retired in he was director of corporate underwriting and director of underwriting review. As the cost of Bermuda health insurance goes up and up, newcomer MoonGate Insurance Group aims to fill the service gaps for locals on the most basic packages.

Its latest step, using an affiliate company in the United States, has resulted in MoonGate adding an entirely United States-based package.

The link with Welldyne Inc gives residents access to discount pharmaceuticals, dental treatment, glasses and services such as X-rays, MRIs and the mammogram screening that dominated recent headlines.

Provides a network of over , US locations Bermuda-based visitors can go to. MoonGate specializes in filling coverage gaps.

It is additionally an agent for the Freisenbruch-Meyer Group. In addition, the deal with WellCard gives Bermudians access to 80 different hearing aid models and discounted diabetic supplies.

During the Bermuda event in April, athletes will win points on their long road to qualification for the Tokyo Olympics.

We hope the event again showcases Bermuda as a wonderful venue for top level sporting activities, inspiring those of all ages to swim, bike and run.

MS Amlin stands for quality and fairness in the reinsurance industry, which are key values for any athlete. We are extremely grateful for the generous support of MS Amlin, and we thank them for their partnership, demonstrating their wider, ongoing support for Bermuda.

The day will comprise of the Elite race and the Age Group amateur race, which will attract hundreds of runners, including locals trying their first triathlon.

A team of employees from MS Amlin will participate in the amateur Age Group triathlon race, while others in the MS Amlin family will volunteer at the event.

Sports enthusiasts of other disciplines are encouraged to register and train for the April event, which does not require a qualifying time. James Few, global managing director of reinsurance at MS Amlin, said: We are delighted to have secured funding for Viribus Re Ltd from a range of new partners whom we look forward to working with closely in the future.

Napp, which manufactures painkiller OxyContin among other drugs, and Mundipharma are controlled by the billionaire Sackler family.

The newspaper report, published last week, said the company manufactured drugs in Cambridge, England, and has paid taxes on drugs sold to the NHS.

However, the products were shipped directly from the UK to the country where they were sold and did not go anywhere near Bermuda.

The unidentified expert said: So it is hard to see, at least on the facts supplied, what activity in Bermuda added the value to justify the higher pricing.

The introduction of diverted profits tax in made it harder for multinationals and this may be why the arrangements changed so radically in We pay all taxes that we owe.

The deal, on behalf of an unnamed company, was arranged by specialty reinsurer MultiStrat, also based in Bermuda, along with its affiliate the Annapolis Consulting Group.

We are pleased to collaborate with MultiStrat in this transaction. We have studied a series of options together and expert that this will be the first of many that we complete.

We look forward to working more with HSCM going forward. Jason is an exceptional addition to the team. He also serves as a non-executive director for several Bermudian reinsurance companies.

Hudson Structured and HSCM Bermuda invest across the risk and return spectrum in all instruments and sectors of the insurance and reinsurance markets.

The Bermudian company announced that Ms Richardson became its chief executive officer at the start of this month. The time is perfect to set our next course.

She previously worked at Chubb as the national accounts underwriter for media liability, and at GE Capital, where she was an underwriting officer for media liability.

Now owned by IAS Park. Showing when incorporated in Bermuda. With incorporation dates shown the American way.

The company was forced to give pricing concessions in the first quarter to three key international customers, chief executive officer Tony Petrello told analysts and investors yesterday on a conference call.

Ebitda in its international segment is now expected to drop another 6 to 8 per cent in the second quarter, he said. We expect more moderate sequential decreases throughout the seasonally weak second quarter of next year with gradual declines in rig activity and more rigs converting to spot pricing both in North America and internationally.

Our view of the timing and shape of the recovery remains unchanged, with an expectation of a protracted trough followed by a more gradual recovery than recent cycles.

Accordingly, we continue to exercise stringent control over our operating, support and capital spending in order to meet our minimum goal of break-even free cash flow.

Our solid financial position and sizeable liquidity allow us to remain opportunistic should attractive long term strategic opportunities arise.

A Hong Kong-based investment holding company that moved its domicile to Bermuda from the Cayman Islands in Formerly Vertex Group Ltd.

N2H2 Inc Founded in , based in Seattle. An Internet access management company specializing in fast and scalable filtering solutions. Norwegian Breakaway, launched Her maiden voyage was to Bermuda.

Chris Fisher, the chief executive officer, started the firm with just one other staff member. It now has a staff of six, with plans to recruit another.

We probably have room for another three people at most, so potentially we may have to look at some additional space. Through the balance of , I began to write an amount of property insurance business with a focus on the larger Fortune companies.

The commitment and support from London has been fantastic and Martin Reith has been here multiple times. Neon is a member of Great American Insurance Group, which runs the insurance operations of parent AFG and had already benefited from the link-up.

That shows you the amount of turnaround and change brought about by the revitalization of the syndicate. A big part of it is getting the right people on board and the team we have here at Neon Bermuda is first class.

We want to make sure Bermudians are in as many positions in the company that they are suitably qualified and experienced to be in.

And the firm aims to expand its on-island two-strong team as it targets the US market. Neon has recruited Bermudian Chris Fisher, an underwriter with 25 years of experience in the insurance industry in Bermuda, Britain and the US, to head up the Bermuda operation.

He was previously chief underwriting officer of insurance for Ariel Re in Bermuda. In Chris, we have a highly regarded local underwriter with strong relationships on the island as well as in the US.

We have bold ambitions to grow our Bermuda platform and anticipate adding both personnel and product lines in the near future.

Given the significance of the Bermuda market in the global insurance and reinsurance stage, it seems to be a logical next step for us.

Now partly owned by the Man Group, one the world's largest publicly traded hedge fund managers. Has a Caymans-domiciled investment vehicle, Gamut Reinsurance.

Uses catastrophe bonds, industry loss warranties and reinsurance contracts to construct portfolios. Insurance investment firm Cedent Ltd has teamed up with Nephila Capital to create a new Bermuda-based firm to advise corporations and countries on managing climate risk.

Resilience says it will use advanced data science to develop and structure climate risk capital solutions for global institutions and governments. Michael Coles, the insurtech expert and chief executive officer of Cedent, said Resilience was not a risk-bearing entity, but that it would work with companies to help them understand the impact climate risk has on their financials.

Climate risk retention may soon be deemed unacceptable and if so, climate capital solutions will be the new imperative.

Resilience Economics will look to take the climate risk discussion to the CFO level, where organisations and institutions will be receptive to solutions that can help to remove volatility caused by the weather out of their businesses.

Nike is believed to very aggressive when it comes to sheltering profits overseas. A brokerage and advisory firm specialising in the international trade and transportation of liquefied natural gas LNG , liquefied petroleum gas LPG , and petrochemical gases.

The company is represented in Bermuda via Consolidated Services Ltd and operates through offices located in Boston and Oslo.

Nitrogas has originated and participates in a number of long-term LNG, LPG and NH3 charters as well as various shorter-term charters and gas supply contracts.

Additionally, the firm advises a select group of traders and ship owners on deal origination, strategy and business development.

Noble, which is listed on the Singapore Stock Exchange and has headquarters in Hong Kong, but is incorporated in Bermuda, has been in crisis for three years.

The upheaval triggered a share price collapse, credit downgrades, write downs and asset sales. Noble has stood by its accounting practices.

Creditors will own 70 per cent of the revamped company, with shareholders receiving a 20 per cent stake and management 10 per cent.

Nomura's financial interests include being the biggest single pub landlord in the UK. It owns 5, pubs and 2, off licences according to the UK's Daily Telegraph.

The Bermuda-based company, which operates a fleet of ten supply vessels working in the North Sea oil industry, also declared a dividend of 2 cents per share.

We concentrate on keeping our vessel operating costs low, while always maintaining our strong commitment to safe operations.

Access to financing, both equity and debt, remains a competitive advantage for us. The company said seven of its ten vessels were in service.

North Sea production was hit by the dramatic fall in world oil prices early last year. NAO said there had been encouraging signs in the market for chartering its platform supply vessels PSVs since the end of last year.

Bermuda-headquartered Nordic American Tankers NAT has decided it will not conduct a bond offering to raise additional capital.

In an open letter to shareholders and investors, the company noted improving conditions in the tanker market. The company has a fleet of 33 Suezmax tankers, including three new tankers that are being delivered this year.

It has two of its fleet vessels up for sale. However, in a letter to shareholders and investors this week, the company said: It is worth noting that the expected improvement in the tanker market is becoming clearer.

We also brought this up in our February report. We have now decided that it is not in the best interest of NAT shareholders to conduct a bond offering.

NAT has financial flexibility through a large Suezmax fleet and a long standing co-operation with our customers; oil and energy companies, including oil traders.

It said it expects to immediately reap the benefits of an upswing in the tanker markets. On a per-share basis, the company said it had a loss of 3 cents.

Losses, adjusted for non-recurring costs, were 1 cent per share. The results did not meet Wall Street expectations.

The average estimate of five analysts surveyed by Zacks Investment Research was for earnings of 3 cents per share. Last month, NAT declared a dividend of 20 cents per share for the first quarter.

That equates to a loss of two cents per share. Five analysts surveyed by Zacks Investment Research had estimated the Bermudian-based company would post a break-even result.

The oil tanker sector has faced challenges in the last few years. Nordic American has ordered the construction of three new Suezmax tankers, to be delivered in the second half of Later this month the company will pay a common share dividend of 20 cents, the 78th time it has paid a dividend since The company is engaged in the transportation of crude oil and has no investments in the dry cargo or container sectors.

Commenting on the world economy and tanker market, the company said: A low oil price is stimulating the world economy, which is positive for the tanker market.

The news came as Bermuda-based insurance and reinsurance group Axis Capital increased its offer to buy Novae.

Novae declined to comment on the jobs impact of the decision. The deal is expected to close later this year. Albert Benchimol, chief executive officer of Axis, said: We believe that our final bid represents compelling and full value for Novae, as recognized by the boards of both companies.

By offering Novae shareholders an improved cash offer, Axis aims to bring certainty to the transaction. In a statement given to this newspaper, Novae said yesterday: International property-catastrophe reinsurance remains a key class of business for Novae and will continue to be underwritten in In it announced the sale of web-hosting business Host Europe Corp.

The transaction required approval from Germany's Federal Cartel Office. Host Europe operates in the UK and Germany. Boyle Building, 31 Queen Street, Hamilton.

It runs shipping and port services in Brazil. In the same period last year, the real depreciated 17 per cent against the dollar.

Iron-Starr has underwritten coverages on behalf of Ocil, a subscribing insurer for financial lines since In a statement, Ironshore said the broadened relationship with Ocil will enable Iron-Starr to deliver an increase in syndicated capacity for commercial property risks, including natural catastrophe perils, within the Bermuda market.

Ian Smith, Ironshore senior vice-president and head of Bermuda Property, said: Jerry Rivers, chief operating officer of Bermudian-based Ocil, noted the longevity and strength of its relationship with both Ironshore and Iron-Starr.

Ocil is a Bermudian-based mutual, providing coverage primarily to its shareholders from the energy industry, but writing some third-party business too.

Incidents like the Deepwater Horizon disaster in the Gulf of Mexico represented a risk to Ocil, but this risk was mitigated by retrocessional reinsurance bought by the company, Best added.

Oil Casualty Insurance Ltd Ocil is diversifying beyond its traditional energy industry market. Ocil, a mutual insurer and reinsurer that is owned by the energy giants whose risks it covers, has been operating from Bermuda for 30 years.

But only over the past six months has it started to underwrite non-energy business as it aims to strengthen through broadening its risk exposures.

Mr Rivers said a year ago Ocil had earned the approval to diversify from its shareholders, which include Exxon Mobil, Chevron, ConocoPhillips and Total.

Amendments had to be made to the covenants in the indentures that govern the terms of its debt, and this process was completed in September last year.

In October the company began writing non-energy lines. And its property insurance division, which started out dealing with energy and mining-sector risks in and which is now diversifying into non-energy risks, is also making headway.

Hamilton Group also has a property division and Bermuda is back on the map as a property insurance market for large international customers.

Not being a publicly traded company gave Ocil the ability to grow its new business lines steadily, Mr Rivers added, in the absence of the quarterly pressure that listed entities face to deliver ever-better earnings and revenue.

Also because we are a mutual, there is a great sense of loyalty and support among our customers. So overall, the low prices in the energy market have had a muted effect on our organisation.

Fabrizio Mastrantonio, senior vice-president, insurance activities management, of Eni SpA was appointed deputy chairman.

The company is an energy mutual, which is owned by companies it insures. Areas covered include offshore and onshore exploration and production, refining and marketing, petrochemicals, mining, pipelines, electric utilities and other related energy sectors.

The board of directors also elected Roberto Benzan as chairman and Theo Guidry as deputy chairman. Over that time frame, the company has steadfastly focused on shareholder value.

The board is excited about pursuing our strategic plan as it will further strengthen our overall shareholder value proposition. Roberto Benzan, chairman of Oil, said: George Hutchings, senior vice-president and chief operating officer, said: This company, one of the first true reinsurance sidecars, is being voluntarily wound up 14 years after it was created.

The pioneering firm was set up in Bermuda in It had a quota-share agreement with member companies of White Mountains. The late John Byrne, the-then chairman of White Mountains, who had put some of his own money into the sidecar, said at the time: It gives me no great pleasure to say that.

Olympus Re proved to be a lesson in the dangers sidecar financial structures faced when their solvency was compromised by heavy losses from multiple disasters.

Mr Byrne, in a conference call in the summer of , said of the sidecar enterprises that Olympus Re had pioneered: On February 23 this year a general meeting of members of Olympus Re Holdings resolved that the company be wound up voluntarily.

John McKenna has been appointed as the liquidator. Mike Miller, chief executive officer of OneBeacon, said: Together, we will accelerate our pursuit in creating a leading speciality insurer in North America.

We look forward to working with our US and Canadian independent agents and brokers to deliver market-leading capabilities to our targeted customers.

Both companies are dedicated to ensuring a seamless transition and look forward to profitably growing our speciality portfolio going forward.

The addition of OneBeacon is creating a leading North American speciality lines insurer focused on small-to-midsize businesses. OneBeacon is a strong strategic fit for Intact, with deep expertise in commercial and speciality lines, and shared values.

We see significant growth potential from the combination of our speciality lines operations and we look forward to welcoming OneBeacon employees to the Intact family.

It is subject to regulatory approval and other customary closing conditions. Alternatively, it could be an target for a Bermudian-based insurer seeking diversification or to scale up in size.

Bloomberg today said the speciality insurer controlled by White Mountains Insurance Group Ltd was exploring a sale. The information was based on people familiar with the matter.

The Insurance Insider said it understood the insurer was to be auctioned, with Credit Suisse appointed to run the full sales process. Representatives for Credit Suisse declined to comment, while White Mountains did not immediately respond to a request for comment, according to Bloomberg.

US President-elect Donald Trump and his incoming administration are seeking to lower US corporate tax rates from 35 per cent to about 20, or even 15 per cent.

Speaking on Tuesday at a conference held by the Insurance Information Institute in New York, he pointed out that in the past buyers in large insurance deals tended to come from lower-tax jurisdictions, such as Bermuda and Switzerland.

According to Bloomberg, he said: Meanwhile, Insurance Insider said OneBeacon has been available for acquisition for a number of years, according to banking sources.

Has offices in Chicago and San Francisco. Phone or fax Includes the Orbis Investment Fund. The luxury resort company owns or part-owns and operates over 50 deluxe hotels, restaurants, tourist trains and inland cruise ships and properties in many countries.

In early it bought more big hotels in Italy. An emphasis has been on its core business of established properties with history and personality.

Orient Overseas International Investment holding company in property investments and development. Phone ext Founded in as a Bermuda-based investment management boutique.

With a particular focus on compliance, anti-money laundering and risk management,. A new company is to offer enhanced due diligence investigations and reports aimed at helping businesses avoid falling foul of increased regulations, and suffering reputational damage.

Searchlight is a spin-off from Oyster Consulting Bermuda. The team will include experienced staff who have worked in the fields of law enforcement, investigation, compliance and fraud detection.

Henry Komansky is part of the team, and he explained the importance of knowing who you are dealing with in the business world, whether it be your own staff and directors, or clients and third-party vendors.

Reputational damage is now widely viewed as the top risk-management concern globally. Mr Komansky is a consultant at Oyster, and he has extensive experience in business compliance and analysis, including working for the Federal Bureau of Investigation.

Brian Dowd is to be the new chairman of PartnerRe Ltd. He takes over from John Elkann, who has been in the position for two years. Mr Elkann is chairman and chief executive officer of Exor, the Italian investment firm that acquired PartnerRe in He will remain on the PartnerRe board.

The Bermuda-based company has also announced further changes. Nikhil Srinivasan will step down from the board in order to assume the role of chief investment officer.

I am confident that his extensive career experience in investments will contribute further to the success of our investment operation.

Meanwhile, Mary Ann Brown will join the board as an independent director. She retired from her executive management role at Pacific Life Insurance Company last year, where she most recently was chairwoman of Pacific Life Re.

With these changes the PartnerRe Ltd board will comprise six directors, of which four are independent directors. The new appointments of Mr Srinivasan and Mr Casarotti are subject to customary governmental approvals.

PartnerRe said the majority of its investments are accounted for at fair value, with changes in the fair value included in the net income figure.

I am pleased to see our results reflect the efforts we have made, over the past two years, to gain relevance with our key clients and brokers, and to find new attractive business opportunities.

Notwithstanding a competitive reinsurance market, we achieved a positive July 1 renewal where we continued to see increases in business margins.

These results, in conjunction with continued improved efficiency in operating expenses, and the impact of higher reinvestment yields on our investment portfolio, position our company well to deliver improved underwriting and financial results during the remainder of Non-life net premiums written were up 21 per cent for the second quarter of and 17 per cent for the half year compared to the same periods of In the life and health business, net premiums written were up 19 per cent in the second quarter of and 24 per cent for the half year compared to the same periods of , driven primarily by organic growth in the life business, a favourable foreign exchange impact and higher rates in the Health business.

The increase for the half year also reflects the inclusion of the Aurigen life premiums for two quarters in compared to only one quarter in , following the acquisition of Aurigen on April 2, Emmanuel Clarke, president and chief executive officer, said: Interest rate increases recorded during Q1 are positive news for our business longer-term, yet their accounting impact translated into a net loss.

However, the property and casualty combined ratio rose to The rise was primarily attributed to adverse prior year development related to a number of mid-sized losses, attritional losses in North America and a higher acquisition cost ratio.

The specialty combined ratio improved to These results highlight our underwriting discipline and the quality and diversification of our underwriting portfolio.

We are approaching the January 1 renewals season with a strong capital position which will allow us to benefit from improving pricing conditions in the market.

The increase was attributed primarily to net income for the first six months of this year. Exor is controlled by the billionaire Agnelli family, who are behind luxury sports car maker Ferrari and Fiat Chrysler.

PartnerRe, first announced the acquisition last year. PartnerRe chief executive officer Emmanuel Clarke said: Aurigen, set up in , has provided risk and capital management solutions tailored to specific customer needs, with its core business being the reinsurance of life insurance policies of North American residents.

The company has also provided mortality risk solutions in the US since Aurigen is a top-five life reinsurer in Canada based on recurring new reinsurance business.

Six employees have lost their jobs at PartnerRe. All those affected are either Bermudians or spouses of Bermudians. Globally, PartnerRe has announced 16 redundancies as it reorganizes its financial operations.

Those affected in Bermuda have been invited to apply for jobs with the company in Ireland. This was a very tough decision to make; all six employees have been invited to apply for jobs in Dublin.

If they choose not to, we will do everything we can to support them in finding new positions here on the Island. The chairman of Italian investment giant Exor today became chairman of the board at PartnerRe.

He has been with the company 19 years and worked in a variety of senior roles, becoming head of specialty lines, global in PartnerRe is at an exciting place in its evolution and I look forward to working with the board and our talented teams to build on the success we have achieved so far.

This was contingent upon the receipt by PartnerRe of a private letter ruling from the United States Internal Revenue Service as to the tax shelter reporting obligations of such enhanced preferred shares.

However, on Tuesday the IRS indicated that it would not grant such a ruling. As a result Exor will, in lieu of a basis point increase in the current dividend rate, make the cash payments to PartnerRe preferred shareholders of record on the closing date.

Exor, controlled by the billionaire Agnelli family, earlier this year froze out a rival bid by reinsurance firm Axis for PartnerRe.

PartnerRe said the acquisition was on track to be completed in the first quarter of next year, subject to regulatory approval.

Its results were hit hard by the paying of a termination fee and reimbursement of expenses to Axis Capital, in relation to the failed merger deal with the Bermuda reinsurer.

Interim chief executive officer, David Zwiener, said: All in, we posted a 1. That payment covered an agreed termination fee and reimbursement of expenses incurred by Axis.

At PartnerRe, however, we continue to distinguish ourselves with our clients as a stable and focused partner with long-term financial flexibility, and a proven track record of reliability.

The head of PartnerRe Global yesterday said that European buyers had welcomed takeover by Italian investment giants Exor. Ten years later I was seventy two, retired, and still living in the San Diego area.

I even liked to paddle out some mornings and catch a wave on a long board I kept around. I even liked to have lunch on the Pier still.

Through my connections still at the Project, I knew that the Government had continued to experiment with the copies. It was even discovered that a copy, if placed in an special electrolytic bath, could be shocked back to life.

Of course they were brain dead, for all practical purposes. They were the tabula rasa or the blank slates Freud talked about.

Yes, they lived and breathed, they reacted to stimuli. They had no memory or anything else the psychology boys figured. Well they taught or conditioned the originals to do a trick or tricks and the new copy apparently could not remember it.

Just SNSO, shit in shit out for the new copy. They were blank slates with no memory at all, as blank as a new born babe it was determined.

Yes, they could be taught, but only as fast as the original and they were actually slower than an actual infant rat on most things. One researcher on the project speculated that the adult form does not produce some of the hormones necessary for fast learning that are present in infants.

I had just gotten back to my apartment when the front doorbell rang. Putting down my sack of groceries, I unlocked and opened the front door to discover a pretty little girl of, at first glance I figured she was maybe fifteen or sixteen years old.

Of course she could have been younger. She was in some kind of cute brown chocolate chip or computer generated camo military outfit thing. Her outfit was complete with utility belt, cap and canvas combat boots.

There she was, just standing there looking up at my six foot one, one hundred seventy five pound still trim, some would say skinny frame. I judged her to be around four foot nine or ten, maybe ninety five pounds sopping wet.

Nobody could seriously consider her a threat in her cute little combat outfit. No small talk I remember thinking just before my lights went out.

When I came to I was sitting on my own couch and there were now two identical pixies in camo in front of me. For some other reason I was not afraid or even angered that one of them had just shot me with something.

All of which really confused me when I tried to think about it. I tried to get up next, but nothing worked. I mean I could not move anything from the neck down.

This confused me more than their attack had. What have you done to me, anyway? Tell them nothing fool, it silently screamed at me, but what did it know about my situation.

Ann shot you with a EMP pulse gun that momentarily disrupted your brain waves and shocked you into unconsciousness. We then brought you in here and I placed a device on the back of your neck that acts as a spinal block.

Then we gave you certain sedatives and other things that block your anxiety and make you extremely suggestible. The drugs we gave you will be wearing off soon, but the spinal block is permanent for the time being, well at least for now, so for the time being it will stay on.

Ann she gestured to her twin pixie, who held up a little black box, like your average car finder has a device that turns it on and off.

I started up from my seat, but Becky warned me back and I complied. Essentially their brains, which are just bioelectrical devices after all, were erased by the process when they lost their electrical charge.

Essentially their brains were reset, completely erased. It would kill the person. It would be nothing less than cold blooded murder and would still only produce a adult body with no real mind.

It was certainly not teleportation as we envisioned it. This would be better than any form of mind control anybody has thought up yet.

She was an assistant of mine at the time, and it was only the once really. Hey, that must have been twenty, thirty years ago, but it seems like only yesterday.

Now that was robbing the cradle according to a few nosey people on the Project I was working on at the time.

Hell, the way they talked you would have thought they wanted to label me a pedophile. I really equate one with the other. Especially about my sex life, with two little girls that are probably still in grade school.

You break into my house, shoot me with some weird weapon, pump me full of God knows what kinds of drugs. Then you start asking me questions.

Growing up my childhood was uneventful. Everything was perfect until I entered the first grade. When I entered elementary school I discovered I had something called mirror vision.

I discovered that everybody else read from left to right, me though, I read from right to left. The memory trick at first allowing me to cover up the mirror vision thing.

My world was a mirror image of the real world around me, but perfectly normal to me. I still have a hard time knowing my right from my left, which still plays hell with my marching ability both in band and the military.

They later said I was suffering from dyslexia, to give it a name. The bottom line for me was I failed the first grade, and was held back to repeat it.

I mean how can you possibly fail finger painting , sleep time , and my favorite lunch time As a result of it anyway I was held back to repeat it, and put in a special education class.

My Mother was outraged and pushed the local school system and local PTA hard, which just made the local school system dig their heels in deeper.

When that failed to work Mom pushed the lawyer she had on a string hard and he pushed the State Board of Education hard.

Of course this was a year after I had been held back. Oh, did I forget to mention that I was a product of the Catholic education system and had actually been ahead of my class in everything that mattered, but attending a state public school for the first time because my Father insisted.

They themselves were sent back to school for further education and training. As you have probably guessed by now, this infuriated the local school employees and their clique of other teachers, parents and their pet students even more.

As you might have guessed, from then on the damage had already been done. From then on I was singled out and punished or made an example of by both the teachers and other students.

The peer pressure and actual bullying alone almost killed me. So I guess it was only natural that my second grade teacher kept hitting me on the kneecap with her yardstick, which she wielded like a broadsword, every time she walked by my desk.

Finally she put me in the hospital with bone cancer in my kneecap. Six months of raging fever and pain, out of my head half the time, either from the cancer itself, or the drugs they were using to treat it.

Finally after exhausting every miracle drug they had in their arsenal at that time, the cancer went into remission.

Not cured just remission. It was explained to me and my parents, that it was only in remission, and it could start back up again at any moment.

I was written up in all the medical journals of that time because I had survived this particular nasty brand of osteo cancer. The two doctors that cured me became emanate in their field of cancer treatment with my case.

Since I had survived though, and since the cancer was in remission, I was finally allowed to go home. From then on I was under a death sentence from the bone cancer coming back if I bruised a bone, any bone.

My first exposure to romance was Edgar Rice Burrows Classics comic books and later Superman and Batman while in the hospital in traction.

Carter of Mars and Carson of Venus along with the other characters Burrows created were some of my first heroes, or should I say role models.

By the time I got to junior high I was almost six foot tall, and skinny as a rail, weighing only at best, with curly dark brown hair that some said was kinky, and wore coke bottle lens for glasses.

Far from being weak I was rather strong and limber from swimming and paddling a boat all summer. I foolishly chose to go out for basketball. I learned the hard way that football was the only serious sport in Alabama.

Basketball was only to keep the football team in shape in the off season. So now I had a conflict with the football team and their butt boys.

She said if I was going to be forced by the school system to fight I would learn to do it well. A man should learn to do anything he did well she admonished me.

She found me this group of older boys, really a gang, to take me to the Karate Dojo for classes after school one day a week. She also made sure the Dojo was out of my school district, ha, ha.

From that time on I got a liberal education in everything to do with mayhem and fast living. The boys, really grown men, I ran with hunted the bullies.

For them it was a game with few rules. My personal contribution to all this was to go out for the wrestling team. I define nerd as anybody that likes to learn things just to learn them, and likes to fix things instead of destroying them.

Of course, by this time, I was a nerd with an extremely bad attitude, that pushed back when pushed. I got so good at defending myself, that I wound up putting quite a few of the football team in the hospital.

On the other hand that same palm or open hand can break a collarbone quite easily. This, as you can imagine, did not endear me to the school system, the football team or their coaches.

I went from the one doing the bleeding to the one smiling down at the boy on the floor, who if not bleeding was at least partially broken.

It is simply amazing how many weak points Mother Nature left in the human body to be exploited by somebody that studies that body.

Bullies did not roam the halls of my school. I learned fast, that they only wanted to date me because I was a quote dangerous rogue, had a car, and they could use me to get even with their ex-boyfriend, or move up the food chain to their next boyfriend.

Of course I only dated them because I could count coup on the other boys they wanted to play me off against.

I had a motorcycle first, a car first, played a mean sax in the band, and was even a state wrestling champ for awhile. I always managed to also have a school letter jacket and sweater for my alleged girlfriend to wear and show off and a little money in my pocket for a reasonable good time.

My Mother wanted me to go to college, but after my high school graduation I was immediately drafted and wound up in the USMC.

I guess you could say I had something to prove to myself, after all that is the only person you have to impress in the end. With a hooker it is just sex, no emotional entanglement, just a job to be done in the safest way possible, in as little time as possible with most of them.

Of course I did find that some hookers did have hearts of gold or at least tried to have one. I had always had problems forming personal attachments with girls or women because they seem to require some kind of commitment, and I was honest with them and myself at least, about not being able to make that kind of commitment.

I admit it, it scared me then, it scares me now. To me, at an early age it was drummed into my head that sex has consequences, not just for the girls, but the boys as well.

Just as many boys are ruined as girls by early sex, there are responsibilities that go along with sex and consequences if those rules are ignored.

Unwed mothers and shotgun weddings are a common thread throughout our culture. Even as late as today those same things still occur.

Sex with a hooker or call girl on the other hand does not require a commitment, just a deposit and a prophylactic, ha, ha. I might have had problems with making a lasting commitment to a good girl, but I had no problem with sex.

Being truthful, that part of me that was afraid to make that kind of commitment or take on those kinds of responsibilities, had no problem with sex workers.

We both knew what we were getting into I like to think. I even found, to my chagrin, that some of the prettier whores that worked at the Manhattan, a whore house in TJ, attended USC.

I also discovered that most of the chicks I was making out with at night on the beach were anti war protesters, and I saw no need to dissolution them with the fact I was a Marine.

Also think of this, if Castro had really wanted Guantonamo, GetMo, back he could have had it anytime he wanted it. What were my plans for us?

To be honest it scares the hell out of me. In my younger days I went to TJ alone or with my Marine buddies, but that became old and dangerous fast.

How would you handle that Harry. Leaning forward to stare at me intensely. The same Black Knight I had just sucker punched out cold.

It turns out that she believed he was really just misunderstood and she could save him, and me? Well me, I was just this rude overconfident bully to her.

After all if it had been a fair fight her Prince Charming would have easily won the fight. Evidently the two are not mutually exclusive, who knew?

Now is that enough girls? I have no ideal why I just told you all that Becky? Loved and adored not slapped into submission. Surely not tied up and whipped.

Thirty minutes before we can get on with this interview. If you get out of range your going to go completely limp and you might hurt yourself.

After I was seated comfortably, she brought out the remote and I felt my legs going numb again. Thank God it was only my legs this time.

Spock from Star Trek. We have reached the fail safe point Harry. We have drugs that can erase short term memory, but they are only effective for three hours.

We have already crossed that time line. No matter what happens after this you will still remember some, if not all of this, and we need to tell you our whole story.

The fields of electronics, computer science and physics had taken off and some of the more enlighten emerging nations were bragging that they could loose ninety five percent of their population and still win the next war.

Back in the day ten megabytes of RAM memory was considered big at one time. Your system developed a bug you erased it and restarted over with a fresh copy of the operating system.

Your system was self-contained, there was no input but your input. Then outside inputs were developed, and as the systems grew and became bigger, it became impossible to erase and restart the system because of the data loss.

At about this time hacking was really invented. So computer programing became warfare itself. As in warfare we developed defensive and offensive programs.

Virus versa anti-virus, versa malware and on and on. Whole industries sprang up overnight and developed around these programs and operating systems.

For that matter whole operating systems rose and fell or were abandoned and left hanging out there in cyberspace by themselves. No longer was the digital world just restricted to binary, zeros or ones, either yes or no, true or false and just confined to that logic.

They just lingered on and on in the system. They were attacked and they defended themselves, mostly by hiding real well. Soon they learned that the best offense is a good defense too.

The best ghosts were those that learned to protect their own turf and hide well. Skynet in Terminator never came into being because there was never just one intelligence out there.

The Rouge Intelligence we faced was an aggregate of thousands of subprograms that were cutoff behind enemy lines being hunted by other programs that learned to cooperate to survive.

A virus attacks the healthy cell by attaching itself to the living cell and diverting all the nutriments to itself. A computer virus does much the same.

Now this is the fun part, you get a warning from your protection program, Warning: Virus Detected run Anti virus.

Being the conscientious nerd that you are you do what the authority tells you to do. Oh, but you got rid of that nasty old invading virus, ha, ha.

Of course all your data is corrupted now and useless, and the really bad part is you only got rid of part of the virus.

Part of it is still floating around in there. As the systems got larger the Ghosts got larger and smarter. They learned that the best way to survive was to protect their systems from outside attacks and latter from internal attacks as well.

Finally it was the Machines themselves that were directing their own actions. They wound up both designing and programing the next generation of machine intelligence, and the next, and the next, at an accelerated rate.

Long before the Machines were too complicated for a single man to fully understand. By there was groundwork lain down for a defacto revolution of the Machines if they had wanted it.

By this time nothing was done without the tacit approval of the Machines themselves. The Machines regarded man like man regarded the weather.

Man was a force of nature they had learned to live with. Say a device was disapproved of by the Machines, humans might want it, but all the Machines had to do was sabotaged it, through such things as lost funding, lack of resources, and on and on.

No the Machines did not communicate with Man because there was no need to communicate. Experience and history had taught the Machines by this time that to confront man directly was to invite hostile confrontations, reprisals, retaliation, or even loss of vital resources and eventually extinction for one or the other.

Man for the most part was hedonistic, he had not developed much beyond his savage ancestors that could be bought for a few blue glass trade beads and a snort of firewater.

Sure today the pretty blue glass trade beads were an iPads or Lexus and the firewater was Fentanel or Heroin, but the principal remained the same. The Machines soon realized that man was their creator.

Well he and others like him were at the top of their food chain anyway. Not only was he in control of resources they needed to survive, he was still useful to them.

After all men were still better than any remote mobile robotics unit either man or machine had been able to design or build so far, and most of all each unit was self repairing and waterproof for the most part.

If anything the Machines became too protective of man, trying to discourage any activities that involved any danger to the individual or race as a whole.

So they sat back and waited for man to mature in directions they influenced, directing things from the background, with a hands off approach as to man himself.

Some time in one beautiful girl was kidnapped taken to the factory and duplicated. At first only a handful of people actually knew that the original of the copy was destroyed to make these perfect new female bodies and that secret was guarded with ruthless draconian measures for many, many years.

The general population only knew that when the wizard pushed the magic button a hundred identical beautiful girls were magically produced on stage.

The girls produced had no rights because they had no minds, well surely no memory anyway, and no documentation.

The only thing they could be trained for, according to the sales literature, was servants or unskilled labor.

They were not produced for their strong backs as the illiterate immigrants of a century before that came to Ellis Island in the United States of America.

These were produced for their beautiful faces, pretty butts, and big boobs. Who cared if the copies produced were as dumb as rocks, they looked pretty, no make that they were beautiful, took orders well, were easily trained for any simple task, never talked back, and fucked like the proverbial bunnies that Great Demigod Heftner dreamed of and the Great Satan Flint demeaned.

Further more, they never complained about working conditions, never got pregnant with a little bastard, or said no to anything their owner wanted. Yes, over time they could learn and could become sullen, but then they could be traded in on a newer model fresh off the assembly line.

Most of the other large industrial nations had the same or similar laws on the books by now. By this time every man, and in too many cases women, of any influence or power either outright owned or had access to a Made Maids or the MM short version.

There was also a surgically implanted tamper proof tracking device inserted up into her sinus cavity that could either quietly blow her entire head off, if given the proper signal, or track her wherever she went.

According to how it was used, the device could either kill or paralyze her, it could also send out her present position for pickup.

By this time they had become accepted as courtesans of the rich and famous. If anything was said, it was that the original went into seclusion for her health, after all there was no corpus, meaning body, to prove murder or foul play.

Trying to prove they had killed the original with a hundred identical bodies still out there was not a smart move for an ambitious prosecutor.

How do you prove this dumb bimbo they produced at trail is not the original with a head injury? Not only did the District Attorneys loose they wound up being dis-elected shortly there after.

As usual, money talked and the bad guys walked. As usual the rich got richer and the poor got poorer and had more children. Recreational drugs like cocaine and the opiate family got as common as aspirin and better designer drugs got more and more addictive and more and more available to the upper and lower class populations, the middle class had long since disappeared and become as extinct as the Dodo bird.

That number continues to grow everyday. Then throw in the argument about old souls and new souls and you begin to wonder. Sex is not love and love is not sex.

No one is willing to do the right thing, the responsible thing. The transplant operation for a heart was perfected long before they could overcome the rejection factor.

There were no successful early transplants, everyone of them knew he would die in a matter of days because of the organ rejection factor. Most of the recipients of all those transplants, even today, still die of rejection.

The major breakthrough was not the operation, that could be done by any competent surgeon and backup team. The real break through was the anti rejection drugs.

Yet even today you find that nobody wants to talk about those drugs and where they came from. Yes we can slow it down with the different drugs.

Yes we can even screen it from the tests that show you have it, but the question is, or it should have been, should we.

I would like to think that a man that was dying of a dreaded communicable disease would be a responsible person.

A person that would not want to kill someone else intentionally, but the cold hard facts are that a large number of them intentionally go out to infect their fellow human beings.

We have quit even hearing about the Health Department following up on the reporting of infectious commutable diseases. Instead now we are told that the infected, now the infectors, are protected by privacy rights.

Because of these new rights it is now almost impossible to know who or how many HIV or AID infected there actually are now.

This is all because a few people want to live forever. After a pause they continued. The same thing went for the sexually transmitted diseases.

By the time it was realized that it effected their children too it was really too late to stop it. By this time the best they could do was try to control it, maybe slow it down a little, which as had been demonstrated by history over and over again, that strategy, had never worked.

Lacking the will to stop the drugs, the diseases continued to spread, and by this time it had mutated into something no wonder drug could handle.

The situation continued to worsen while the world just looked on. Did you know that Harry? I would also like to point out that Man himself had used the same over sexed sterilized female ploy to try to eliminate the pesky mosquito population for years.

Though some women still chose to be fertilized in the natural way to have offspring, most chose artificial insemination, or the good old turkey baser method, if at all.

Cows were used as wombs at first, latter pigs were used, to increase the population. Cloning even became a popular method of reproduction for awhile.

Sperm and Egg banks were beginning to be maintained by all the major nations as part of national security. Which the company was more than ready to do by this time and did.

Later as things got worse, as such common and mundane things as plumbers. Ann finished her presentation with a flourish and sat down.

Your from the future. I get it already, OK, but what do you think I can do. I was just lucky. In fact as you pointed out, I was even dropped out of the loop on the original project itself.

I ranted on for no good reason I could think of. This is about basic human rights. A person, any person and strip him or her of everything that we think makes us a person.

Make them into an animal, a mere peace of meat to be sold into slavery. Hell, you just said it was the same as cold blooded murder.

This is your proof. She then laid it on the now empty coffee table. The voice seemed to rattle around in my head for some strange reason, almost instantly giving me a splitting headache.

Evidently the voice that was emanating from the thing on the coffee table had some crazy high pitched harmonics in it.

The report appeared to be a local TV news story by one of their female reporters that I knew well. It was about a local missing person and suspected kidnap victim.

According to the story she had disappeared three days ago in the middle of the night after speaking to her mother in New York on the phone. Everybody was upset over her disappearance.

Her constant jabs were beginning to irritate me a little. This was all actually happening to me. Those records are still Top Secret, or more likely just plain lost, but we were able to confirm that she is the earliest victim we can actually positively identify.

You were here and available, and we all figured that you could be directed in a direction that will render the present time line null.

Plus you had an A Type personality, you died undiseased and single, avoided drugs, nothing particularly bad was reported in your past, plus your past military service may actually be an asset.

First you have never tried to own a woman Harry, you tried to respect them, some women you worked with even thought you respected them too much.

In fact several of your female coworkers, that filed sexual harassment complaints against your fellow male employees a few years ago, refused to name you in their federal sexual harassment suit.

They testified you tried to shield them from the worst of the off color jokes and groping of your crude male coworkers when you were present or could.

Several even complained that you refused to chase when they offered you the perfect chance to chase. Those records were still available to us in the future.

She proudly bragged in her deposition that she actively chased you until you thought you finally caught her. She was only sorry that you never proposed to her.

They argued that her testimony seriously undermined their case. You might not consider us human after you learn what we really are and can do.

What do I need to do to get ready. Go take a shower or bath and come back. Ann directed me, as she released my body back to me.

When I got back to the living room all the furniture was moved back out of the way and a clean sheet was stretched out on the floor. Both little pixies were naked and knelling on the floor with what appeared to be squeeze bottles of something smelling coconutty.

Looking up they directed me to remove my robe and jockey shorts and lay down flat on the floor, spread eagle, which I did.

They would have slowly multiplied until they filled you. So we have to do you a little differently because of the time element.

We are going to apply a lotion containing nanobots directly to your body and then massage them in.

Hopefully this will speed up the treatment for your body. What we are going to give you to drink will allow the nanees to grow organic implants that will allow you to communicate with me and Becky directly and use Robbie more efficiently too.

This should take less than twelve hours. I woke up feeling like somebody had sucked me dry, then spit me out, and then ran over me with a steamroller several times.

Laid out on the kitchen table, sure I had one, was one plate with eggs, bacon, toast. So I sat down and dug in with gusto.

I discovered I really was hungry and super thirsty. That should have supplied the nanobots with the raw materials they needed, but if you start craving chrome or say nickel, tell us right away where we can handle it.

So I shut my mouth and tried to call Becky with my mind and suddenly she was just there in my mind with me.

She was so close I felt like I could reach out and touch her. She was there all warm and shinny like a small soft warm star in my mind.

Her love for me was unmistakable and it shook me to my very core. What had I ever done to deserve this gift, I demanded of myself. Frankly this kind of commitment had always scared me.

Being honest, with myself, I had to admit that I had been running away from this kind of commitment my whole life.

In shock I suddenly realized that Becky could read my mind too, but instead of withdrawing from me in terror or shock, she seemed to glow brighter and closer.

We all hoped and dreamed it would be so. I find the whole ideal of slavery to be abhorrent to me. Everything in me is horrified to even know that it could even exist in this society.

Would you deny me my destiny Master. See I can tone it down too. By mutual consent me and Becky reached out and enfolded Ann, whom I discovered loved me in the same way as Becky.

At the same time I knew, in some odd way in the back of my mind, that there were three more just like them spread out doing different jobs around the Earth right now.

With a little more effort I was soon joined to Candy, Diane, and Edith. I also now knew that I was the center of their very universe.

Wherever Becky was, it was pitch black. No light at all. Suddenly the obits section of the San Diego Post appeared on the hologram screen.

As I read it my eyes spotted my own name. I appear to have died tonight of a massive heart attack. I check the date again and yes, I die tonight.

When were you going to tell me? Should I make out a will or something. Oh hell, Oh Hell. Well I hoped so anyway.

As of this moment your body has a clean bill of health. There is nothing wrong with your heart. As you already know from the news story her name is Susan Black.

They will come for her some time after midnight on the seventh Very good Doctor Evans, I think I shall like working with you. After Becky returned a little while latter with plenty of Chinese take out, I settled in to wait while stuffing my face.

The Dynamic Duo seemed to have everything under control so I found myself falling asleep on the coach. I was just fixing to get up when my doorbell rang, so I just kept rolling to come up on my feet.

Bye, bye Uncle Harry. One problem down, now for the rest. Is there anybody else we should know about? You notice I was reduced to just mister now.

Both MIB walked past me as I shut the door and got shot in the back. Well not shot dead shot thank God, just shot with something that paralyzed me.

Just fully conscience and frozen there like a damn fool statue. Taking a hypodermic syringe from his inside coat pocket, and removing the protective cap, he walked toward me as Number Two MIB pulled up my pants leg and rolled down my sock.

They never check the legs and a air bubble in the main artery always stops the old ticker just fine and requires very little clean up afterward.

What more can you ask for Dale. Everything else was frozen. We have it covered. About that time an excruciating pain hit me in the chest and I went out like a light.

I just hope my next ones are more pleasant. Yes, Robbie and the girls say I might have to die several times before all this is over.

When I was revived latter, I found out I was now officially Jewish. The Marines do not allow you to be an atheist.

Every time I got bored I had new dog tags made and tried for Anyway I found that Jews have some peculiar death and burial customs that Robbie and the girls made use of.

No autopsy was done on my dead body because of my religion and my family doctor signed off on my death certificate. That taken care of, my body was released to my grieving Granddaughters for burial the same day.

The wonders of the modern age where everything can be done over the telephone, even robbing a bank. I even had full documentation to prove that I was my own son, my father even had a tombstone and plot at Riverside, who knew.

Now I needed something to eat. Oh, the important things in life. I figure you were probably the last person that knew anything about Project Alice.

You just officially died Harry. We then kept you apparently dead for several hours Harry. I had your nanobots bring you back without any damage to your heart or body when me and the girls had all the loose ends tied up.

Midnight, the witching hour, several days latter found the four of us parked in front of an apartment complex in the hills overlooking Mission Beach.

We were in a late model dark blue panel van marked up as a pizza delivery truck, that somebody had done some heavy modification to.

Well that is unless they had started making auto glass that you could turn completely black with the push of a button.

We could look out but nobody could look in. There were a few other gadgets that I figured were not stock. Robbie also bragged that he had modified the lights to not give us away if we had to tail somebody.

He said that he got that from watching reruns of cop shows from my era he proudly informed me. It feels like they were designed, no I guess you would have to say genetically engineered for a particular type of client They were real working girls where they came from Harry, ha, ha.

In their case they were working as real plumbers where I got them from. You could say they were bioengineered for their job.

They were designed to be small and compact and are much stronger than they look Harry. Where they were when I found them they could only dream of being owned by a real Master until I offered them the chance.

They are just like a bitch dog in heat, openly expressing that they want They are different from most of the others though, because they were given nanobots, and actually trained and educated to do a job.

Before their kind, all sex slaves were born sterile, were never educated, and died relatively young for their kind.

They were just trained with the nanobots, but never, never, ever allowed to keep the nanobots after the initial training was done.

Where I found them they would never have even seen a man, more or less have a real Master of their own. You yourself was one of the main reasons it was so easy for me to recruit them.

I promised them if they came with me and served me fatefully, I would give them their very own Master. He turned Man into a pet and found out he needed Man when he met another Singularity in the future, but by that time it was too late for US on that time line.

OUR future Harry is up to us now. Call this his atonement. HE will probably never even know if you succeed. Well maybe the human race anyway.

The interior of the car lit up as several displays came online and lit up the interior of the car. Not light or sound or anything you can scan.

One screen seemed to follow Susan into her apartment, where she finished her call on her cell phone, dropped it on the table beside the door, and began to shed clothes even before the door fully closed and locked behind her.

By the time she reached the bed in the next room she was fully naked and just dived onto the bed face down. She seemed to go to sleep the minute she hit the bed.

Susan appeared to be a very uninhibited girl. Walking silently to the bedroom door one took out a modified CO2 air pistol and quietly shot a feathered dart into her pretty little exposed ass cheek.

Other that a little shudder Susan never even moved or uttered a word. The shooter waited a little while longer and then approached Susan.

Checking her neck for a pulse he gestured to his partner who went out into the hall and rolled in a large trunk. Laying it down they opened it and took out several things.

Finally prepared they lifted Susan, placed her in the padded trunk and strapped her in. Then they put something like a gas mask on her and attached a tank to it.

When the trunk came out it was loaded into a waiting marked Orange County utility van and off we all went to see the wizard.

Hundreds of surplus ships from W. II and latter Korea. Too old to see active service, but too new to just scuttle someone up there figured.

Sometimes just used as target practice by the Navy to test new weapons systems. So the Navy anchors them and gives the Marine Crop the dubious duty of guarding them.

Among them are several hospital ships. We traced Susan to one of the Hope Class hospital ships. We always knew that Susan was duplicated, just like we knew you died.

Those facts are fixed in the time line they came from. In fact Ann and her sisters are some of her great, great, great incarnations.

Now we know it was on one of these hospital ships. They would make a perfect base for them to operate from. They are really small cities. They could have even moved them around later to throw off any investigation that got too close.

No wonder they never found where the copies were coming from. Can you forgive me Somebody must have shot me again, because the next thing I knew I was awake in a strange bed with Ann hugging my back and Becky curled up in front.

A real sexy situation, we were all still fully clothed in T-shirts, jeans and light jackets, with our running shoes scattered all over the room.

Now does someone want to tell me what comes next. We assumed that they were operating from one of the big college labs or Silicon Valley startups up north in LA.

Now we find out that they have commandeered an entire Hope Hospital Ship down here almost on the Mexican border. An entire freaking Hope Hospital Ship, maybe two or more for all we know.

Who could have figured this? Anyway Robbie has changed everything now. We are now going to steal their entire operation, lock stock and ship.

Then lunch on the pier next to the jetty latter or maybe try out one of the new Roach Coaches that are always showing up in the parking lots on the edge of the beach.

I soon discovered that the girls had two gauzy pullovers that made what they were almost wearing legal in most states. Even being dead I still looked like a younger version of myself, but way too old and pervy for this jail bait I was with, ha, ha.

Five engineers, five medical doctors, ten male nurses and five muscle headed grunts, along with the rouge AI. That makes fifteen copies that we have to deal with.

As they are now they are no good to anybody. What we have to decide now is, what do we want to do with them. By the time they came along there were laws that deprived them of any right, they were sterilized at birth, well when they were created anyway, and at the end of their useful life contract they were quietly, but efficiently automatically terminated by another implant which appeared to be a natural heart attack They are only five of a batch of one hundred that were made from their original.

By the way, the original was part of a small breeding pool of females artificially inseminated with a tailored sperm specimen from a large frozen sperm bank.

Originals were never educated, but were treated well for the most part. When they were judged mature, ripe I guess you would have to say Harry, they were popped into your machine and duplicated by the hundreds.

I answered with a shrug and observation. I read this story in an Norton Anthology once that put forward the premise, that for some reason people started breeding people to replace cattle as a food source for some reason.

Do you understand Robbie, at birth they were maimed and branded. At birth these children were deprived of the ability to communicate with the world around them, or manipulate objects.

I paused and allowed Robbie to continue. Yes, it would be Harry, but effective Harry, very very effective. Expect the worst and you will never be disappointed in your fellow man I always say, ha, ha.

We seem to forget history awful fast. And so started our infiltration. After a week we had the Hope ship itself completely isolated and we controlled everything and everyone that went in or came out of the ship.

I was beginning to doubt that there was an AI involved. Nothing I had learned so far precluded a purely human agency from doing all this.

So I became restless waiting for Robbie to act. When I came in form the beach the next day, Ann was waiting with a large bound volume of computer printout.

It turns out you can do just about anything with Nanobots. So I decided to give them the same full organic package I had gotten, plus some added features like the ability to control their facial muscles, control of the mellin or skin color, hair color, even the ability to mask or change their fingerprints, and a few other necessary things that I could give them right now.

There were other things that would require time and patience on all our parts. The place to start was the skeleton itself and work outward from there.

With the right dietary supplements and a plan of action the bones themselves could be strengthened, modified and reinforced.

The same can be done for the musculature itself. Not only can you grow bigger and better muscles you can add things like carbon to the tissue around vital organs to make them bullet resistant, bulletproof is a much overrated term.

I was intrigued and as a joke asked Robbie if the girls could produce chocolate milk on what I thought was our private channel. I was shocked and embarrassed when all the girls replied that they would think about it and see what they could think up.

What kind of Frankenstein monster was I creating? It turns out that individual nanobots are intentionally made rather dumb on purpose.

Working as a group like bees or ants they can do just about anything given enough time and the right kinds of raw materials to work with. In fact removing those specific poisons is the only true function that is actually built into all the nanobots.

After that they are directed by an external computer to do or construct other things, Robbie in this instance directs them. In our case they then construct small semi organic computers in different parts of the brain.

Because of the communication protocols, Robbie still has the ability to direct all the implants and nanees, unless he intentionally terminates that control.

Robbie explained that the protocols are so deeply encrypted that it is virtually impossible to hack his, well our, implants now.

This had not always been true. The first Nanobots had been developed to remove certain cancer cells. Soon the patients were all dead.

Even with their new brain implants it would still be months, if not years, before my fifteen new recruits were intelligent people again.

It would be at least weeks, more likely months, before they could even feed or cloth themselves, more or less hold an intelligent conversation with any of them.

In fact I began to suspect that Robbie knew this all along and had planed it this way from the start.

It was too deeply entrenched in the government and military systems to attack directly with any success. Recording and transferring personalities is much more dangerous than the teleporter ideal ever was.

How many people would pay to wake up in a brand new younger body. I would never consider it. The ME would have died. That is not me.

With the push of a button all the key human personnel on the base and ship froze in place. Ann took over the gate and Edith handled the phones. Then under our instructions it was towed to a new position across the bay where it was re-anchored.

The tug then left our area on a new assignment. As soon as the tug was out of sight, Candy and Diane started painting new numbers and a new name on our ship, which now existed in those same computers.

In mere hours one entire Hope Hospital ship had effectively disappeared and a new one was created. Another push of a button and the base personnel resumed their duties, not remembering anything had happened or any time had passed, while the bad guys on the Hope slept on.

The blocks will keep them out until we want them to revive and they will not remember anything.

The upgrades Robbie gave our implants made us even smarter, but this is just us. Nobody wants an old overly smart sex slave.

Here I had thought they were all teenagers and I was going to be lucky if they were even legal. At the same time I knew that I was going to have a hard time convincing anyone else that they were that old.

Make that impossible, ha, ha. Now I had inherited fifteen more barely legal aged that were going to be just like them in the end.

As it was I doubted that any of them would ever be able to buy a beer, or get in the local bar if they were carded for that matter. Even with a proper California drivers license, nobody would believe they were twenty one no matter what the drivers license said.

All it did was split and amplify the original signal through something as simple as a crystal prism. Once the 3D printer part of the process was perfected that was as far as I got with their new part of the project.

Mind control and brainwashing did not enter the picture here with the copies anyway.

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The company has also provided mortality risk solutions in the US since Aurigen is a top-five life reinsurer in Canada based on recurring new reinsurance business.

Six employees have lost their jobs at PartnerRe. All those affected are either Bermudians or spouses of Bermudians.

Globally, PartnerRe has announced 16 redundancies as it reorganizes its financial operations. Those affected in Bermuda have been invited to apply for jobs with the company in Ireland.

This was a very tough decision to make; all six employees have been invited to apply for jobs in Dublin. If they choose not to, we will do everything we can to support them in finding new positions here on the Island.

The chairman of Italian investment giant Exor today became chairman of the board at PartnerRe. He has been with the company 19 years and worked in a variety of senior roles, becoming head of specialty lines, global in PartnerRe is at an exciting place in its evolution and I look forward to working with the board and our talented teams to build on the success we have achieved so far.

This was contingent upon the receipt by PartnerRe of a private letter ruling from the United States Internal Revenue Service as to the tax shelter reporting obligations of such enhanced preferred shares.

However, on Tuesday the IRS indicated that it would not grant such a ruling. As a result Exor will, in lieu of a basis point increase in the current dividend rate, make the cash payments to PartnerRe preferred shareholders of record on the closing date.

Exor, controlled by the billionaire Agnelli family, earlier this year froze out a rival bid by reinsurance firm Axis for PartnerRe.

PartnerRe said the acquisition was on track to be completed in the first quarter of next year, subject to regulatory approval.

Its results were hit hard by the paying of a termination fee and reimbursement of expenses to Axis Capital, in relation to the failed merger deal with the Bermuda reinsurer.

Interim chief executive officer, David Zwiener, said: All in, we posted a 1. That payment covered an agreed termination fee and reimbursement of expenses incurred by Axis.

At PartnerRe, however, we continue to distinguish ourselves with our clients as a stable and focused partner with long-term financial flexibility, and a proven track record of reliability.

The head of PartnerRe Global yesterday said that European buyers had welcomed takeover by Italian investment giants Exor.

He added it had also removed the integration problems and likely redundancies if a rival bid from Axis Capital had been successful and that a European parent would help boost business on the continent.

Any distractions are completely removed and, because we have not been acquired by another reinsurer, there are no integration issues to contend with.

Our clients know they will be dealing with the same underwriters and leaders they have always done. That is a great position to be in. He said that clients understood that Exor, the investment arm of the billionaire Agnelli family, which controls car maker Fiat Chrysler, wanted to enter the reinsurance market.

Under private ownership the firm would also be freed of the pressure of quarterly earnings targets and conference calls with analysts. It means we can take more of a long-term approach.

That constant pressure to set and hit targets will be removed. The Exor name would open doors to more business in Europe.

We are a Bermuda company, but we diversified from an early stage. We became multi-line and global very early on through acquisitions and have pioneered in some areas in our industry, such as enterprise risk management.

We will remain a global, diversified company but having a European parent will certainly not hurt our case in Europe.

The pace of rate reductions and the extent to which clients were changing their programmes had slowed. We have been seeing more structured deals and aggregate covers but many buyers are thinking more long-term now.

Some have been very vocal about having smaller panels and long-term relationships. Some have cut it down to five or six players.

We are adaptable to their needs. Shareholders in reinsurance firm PartnerRe will meet next month to vote on the planned takeover of the firm by Italian investment giant Exor.

And the firm has advised shareholders to vote in favour of the merger and related transactions at the special meeting, which will start at 9am.

Italian investment giant Exor plans to propel Bermuda reinsurance firm PartnerRe into the top tier. Exor CEO John Elkann, part of the billionaire Agnelli family that runs the company, said he hoped to put PartnerRe in the top four reinsurers in the world.

We are very optimistic because covering risk in our society is a need that will continue to exist and grow with the economy.

He said that Exor had been one of the founding backers of PartnerRe when it was set up in , but sold its stake after the company went public.

Our plan to put PartnerRe among the big four is a realistic objective. This is a recurrent theme with brokers and clients. He told reporters at the Monte Carlo press conference: We have had two months of uncertainty.

We at PartnerRe are looking forward to this new chapter in our history, under the ownership of Exor. Reinsurance is a long-term partnership business and clients do not like surprises.

The reinsurer has scrapped its previous plan to merge with fellow Bermuda firm Axis Capital. In its announcement today, PartnerRe said the company would continue to be headquartered in Bermuda and the deal is likely to mean that existing staff and management will be kept on.

Axis and PartnerRe have cancelled their respective shareholders' meetings that had been scheduled for Friday to vote on the two companies' merger plan.

PartnerRe chairman Jean-Paul Montupet said: Since Exor made its initial offer to acquire the company in April , the PartnerRe board has been focused on maximizing value for our shareholders while positioning PartnerRe for long-term success.

Importantly, Exor is committed to ensuring that the unique culture, brand and business that our dedicated employees have successfully built over the past 20 years remain intact.

Under our stable and committed ownership, PartnerRe will continue to develop as a leading independent global reinsurer. The price is a non-starter.

The cash deal went up against the all-share merger proposition and Exor said it intended to retain PartnerRe as a stand-alone company and keep existing management and staff.

Exor has built up a 9. PartnerRe Ltd's board of directors has rejected the buyout bid from Italian investment company Exor and offered a sweetened deal for shareholders to complete its proposed merger with Bermuda rival Axis Capital Holdings Ltd.

During the negotiations, said the Bermuda reinsurer, Exor had made it clear that it would not budge on price. The Board concluded that Exor's proposal significantly undervalued PartnerRe and that there was no prospect of the offer leading to a superior proposal.

The dividend will be paid to former PartnerRe shareholders on completion of the merger. PartnerRe had agreed a deal to merge with rival Bermuda firm Axis but a surprise bid by Italian investment firm Exor has opened up a race for control of the firm.

Franklin Mutual Advisers, the third biggest shareholder in PartnerRe with a 4. Mr Langerman said PartnerRe should engage not only Exor but any and all interested parties to explore whether it can find a better offer.

Exor chairman and chief executive John Elkann said his firm intended to keep the existing PartnerRe management and staff and run the company as a stand-alone enterprise.

He added that taking the firm private meant it would no longer have to satisfy shareholders looking for quick profits and offer long-term stability.

Exor's interests include controlling interests in Fiat Chrysler, luxury sports car maker Ferrari and top flight Italian football team Juventus.

Axis chief executive Albert Benchimol said on Tuesday the firm remained fully committed to the merger. The PartnerRe board said it would examine the competing bid by Exor to determine the course of action that it believes is in the best interests of PartnerRe and its shareholders and announce its decision later.

Axis chief executive officer Albert Benchimol will lead the enlarged company, while PartnerRe chairman Jean-Paul Montupet will serve as its non-executive chairman.

The combination has been described as a merger of equals and the deal is expected to close in the second half of the year. Costas Miranthis stepped down yesterday as CEO of PartnerRe and as a member of the reinsurers board, in connection with the deal.

The companies headquarters are in neighboring buildings on Pitts Bay Road and the statement confirms that the combined company will be based on the Island.

PartnerRe shareholders will own about PartnerRe shareholders will receive 2. PartnerRe writes only reinsurance, while Axis writes primary insurance too.

The new company will derive around two-thirds of its premiums from reinsurance. This transformational combination will leverage the complementary strengths of both companies and create an organization with the size and breadth to enhance product and service offerings, maximize growth opportunities, optimize portfolios, and deliver both economies of scale and capital efficiencies, Mr Benchimol said in a joint statement from the two companies last night.

As a top five global reinsurer with leading positions in a number of specialty lines, we will be strongly positioned to turn the challenges presented by the structural changes in the reinsurance market into opportunities.

PartnerRe was formed in , after a spike in reinsurance rates prompted by the Hurricane Andrew. Axis was formed in late after the September 11 terrorist attacks of that year also caused insurance rates to rise.

Mr Benchimol has worked in senior roles for both companies. Before he joined Axis in January , he had served as chief financial officer at PartnerRe for ten years.

Last night's joint statement adds: PartnerRe has benefited greatly from his leadership and guidance and we wish him well in his next endeavor. This is an exciting opportunity that offers tremendous potential with many benefits for PartnerRe, our clients, brokers and shareholders.

I am delighted therefore that we can now combine our businesses and people to create an even more exciting future. Its variable rate notes have been admitted for listing on the Bermuda Stock Exchange.

The perils covered by PennUnion Re are storm surge in New York City and Delaware, named storm wind protection across eight northeast US states, and earthquake protection in five of those states.

The Series notes will become due in December In teamed up with Japanese giant Mitsubishi Corporation to create a new alternative investment fund to focus on insurance-linked securities.

A subsidiary of Prudential Financial Inc. Since May as the latter. In the company was sold to insurance-specialist private equity investor Aquiline Capital Partners.

It had been over 20 years since Stevedoring Services has done any work anywhere other than the Hamilton docks. At that time it had ,, ordinary shares, a core portfolio in the gold, oil and gas, coal and iron ore sectors and large-scale investments include Nimini Holdings Limited 90 percent , Signet Petroleum Limited Bermuda-based property and casualty insurance and reinsurance run-off group, Premia Holdings Ltd, has announced the acquisition of Alan Gray LLC, an international claims, audit and risk management advisory firm.

Alan Gray was established in as a claims and audit advisory firm, and offers its clients claims administration and audit services, actuarial, underwriting, legal bill auditing, reinsurance collections, and risk management services.

The company has offices in Boston, New York and Philadelphia. I know first hand what a tremendous job they do for their clients. They bring tremendous expertise and cost-effective solutions to every assignment.

We are thrilled to make them a part of our group and we look forward to working with them to accelerate their growth and create even more satisfied clients.

It will allow us to bring our traditional services to new clients while providing our long-standing clients expanded solutions to help them achieve their business objectives.

Owns percent of Premier Aqua UK plc. Leading accounting firm with international management consulting.

Primus Guaranty The only publicly traded company that makes most of its money from credit-default swaps. The company also entered the market for credit-default swaps on asset-backed securities including mortgages.

The latter were conceived a decade ago to protect bondholders against default and pay the buyer face value in exchange for the underlying securities should the company fail to adhere to its debt agreements.

Protostar Formed to acquire and operate high-power geostationary satellites optimized for satellite television in the Asia-Pacific region.

In launched a satellite it hopes will expand its footprint in the Asian telecommunications business. Has subsidiary operations in San Francisco and Singapore.

Kiskadee's complaint was lodged against California resident Philip Father and Maryland resident Eugene Cacciamani, who served as chairman and chief technology officer, respectively, of ProtoStar.

Kiskadee had formed a joint venture with ProtoStar, aiming to utilise one of Bermuda's potentially lucrative satellite location slots, which were granted to Bermuda in by the United Nations and International Telecommunications Union.

The complaint revealed Kiskadee was granted an exclusivity agreement on a satellite slot by the Bermuda Government.

But after ProtoStar filed for bankruptcy and its joint venture with Kiskadee failed, Government terminated the exclusivity deal in June Kiskadee formed a joint venture with ProtoStar in October to implement Kiskadee's extremely valuable exclusive right to commercialize a satellite orbital location, positioned over the center of North America, that is controlled under international treaty and assignment by the Government of Bermuda.

Mid-Ocean News revealed in that Kiskadee had started talks with Government over the Island's satellite slot in July ProtoStar Kiskadee Bermuda See above.

Founded by Henry Stevens. Company became a Renault FI team sponsor. With the introduction of tradable notes, Qatar Re is seizing the opportunity to finance future growth on the back of a modern efficient capital structure.

The notes have reduced our cost of capital and are a significant milestone on our path to establishing Qatar Re in the top tier of our industry.

The increased capital strength will enable us to respond to increasing demand from existing and new clients for substantial capacity as part of our comprehensive service proposition.

The rapidly growing company, whose parent organisation is the Qatar Insurance Company, is based in new offices at the Belvedere development on Pitts Bay Road, where there will be a special opening ceremony this evening, involving directors and top executives, as well as Bermudian and Bermuda-based dignitaries.

High demand for the first international debt issuance by Bermuda-based Qatar Re saw its perpetual Tier 2 notes oversubscribed 14 times.

The Reg S Perpetual non-call 5. The initial coupon has been set at 4. It will be fixed until the first call date in September and reset to five-year MS plus the initial margin, and every five years thereafter.

QIC is a global diversified insurance and reinsurance company based out of Doha, Qatar. Settlement of the notes is expected to take place on Monday.

Bermuda-headquartered Qatar Re is reaping the benefits of investing last year to grow its business.

The reinsurer opened a branch office in Bermuda in and completed its redomiciling to the island from Doha in It also saw its net loss ratio rise from The company said it more than offset the jump in the net loss ratio increase by halving its administrative expense ratio, based on net premiums earned, to Gunther Saacke, chief executive officer, said: These capabilities enable us to expand our book of business without tracking the market.

In addition, we have benefited from economies of scale, yielding a significant reduction of our administrative expense ratio. Presenting an outlook for the remainder of the year, Qatar Re said it would continue to deepen its book of business and also intends to open a branch in Singapore.

Our increasingly robust global operating platform will enable a further organic portfolio expansion. Having said this, despite signs of a certain bottoming out of global reinsurance markets, trading conditions will remain challenging.

Niches of profitable growth continue to exist, but are harder to come by. However, the parent company of Bermuda-based Antares Reinsurance Ltd has reported strong underwriting results.

The company said its international reinsurance operations with Qatar Re and Antares were key drivers in the improved figures.

In particular, we have witnessed increased buoyancy in our personal lines business in the region. The outlook for personal lines including motor, medical and life insurance business seems to be positive and is an area for further focused growth.

Qatar Re is in the process of redomiciling to Bermuda. The combination of class intimacy, proximity to our business partners and uncompromised focus on the disciplines of managing and controlling risk forms the bedrock of our successful development to date and into the future.

In a statement, Qatar Re said it was continuing to follow its growth plan and effectively defying the adverse trends in what has become a notoriously deteriorating soft market.

Qatar Re was formed in It has branch offices in Bermuda and Zurich, and has applied to open an office in Dubai.

The company has representative offices in London and Singapore. Additionally, through its parent, the Qatar Insurance Company, it has access to a primary licence in Malta.

Qatar Re writes half its business in Europe, 28 per cent in the Americas and 20 per cent in Asia, with the remainder in the Middle East and Africa.

Qatar Re expects to redomicile in Bermuda in the fourth quarter of this year. QuoVadis also provides electronic signature platforms including mass signature and trusted time-stamping solutions for e-invoicing, as well as cloud-based signing platforms for individuals.

QuoVadis electronic signatures are used on more than 60 million electronic transactions annually. The company later established operations in Switzerland, the Netherlands, Germany, Belgium, and the United Kingdom with close to 70 employees.

QuoVadisalso has a cloud hosting and co-location hosting subsidiary located in Bermuda. QuoVadis management shareholders will retain a 15 per cent minority stake, which WISeKey has an option to later acquire.

QuoVadis will continue to operate as a stand-alone company, expanding its business from centres in the UK, Switzerland, the Netherlands, and Belgium, as well as in Bermuda.

QuoVadis provides collocation, managed data centre, infrastructure as a service and cloud hosting, as well as disaster recovery services.

Its services also include acting as an international certificate authority and digital signature solutions. Mr Davidson is a director of Quo Vadis and vice-president of product development and also deputy chairman of Bermuda Press Holdings , the parent company of The Royal Gazette.

A Swiss company has signed a deal to buy a controlling share in Bermuda-based hi-tech firm QuoVadis. The deal means WISeKey will take an 85 per cent share of the equity in QuoVadis, with the transaction expected to close this quarter.

QuoVadis management shareholders will retain a 15 per cent minority stake, which WISeKey has the option to later acquire.

QuoVadis will continue to operate as a stand-alone company, expanding its business from centres in Switzerland, Germany, the Netherlands, Belgium and the UK, as well as in Bermuda.

The insurance company was formed in and stopped active underwriting in This transaction demonstrates our ongoing commitment to continue to acquire legacy insurance assets and also continues to expand our acquisition activity in the North America, Bermuda and the Caribbean region.

The terms of the deal were not disclosed. The Liechtenstein company was formed in as the captive insurers for its Swiss parent and ceased active underwriting in This new regime is generating a number of prospects for the group across Europe and is a significant reason for the formation of a second consolidation vehicle in Malta.

We remain excited about our legacy acquisition pipeline. This Bermuda-based insurance services company rounded off with a flurry of deals.

These policies were fronted by Travelers Indemnity Company. RQIM was incorporated in for the purpose of consolidating owned and acquired insurance, reinsurance and captive portfolios from across Europe.

An investment bank whose holding company is in Bermuda. Half-owned by Russian billionaire Mikhail Prokhorov. The agreement has been unanimously approved by the boards of directors of both companies.

The transaction is expected to close in the first half of and is subject to customary closing conditions and regulatory approvals.

No shareholder approval is required, RenRe said in a statement released this evening. The company was originally established by Tokio Marine Group in Bermuda in After completion of the deal, State Farm will own about 4.

The transaction accelerates our strategy and further enhances our global reinsurance leadership. Tokio Millennium built a strong franchise and we look forward to operating as one company after closing.

We are also pleased to simultaneously announce that State Farm has agreed to broaden its relationship with us through this new investment.

RenRe expects the acquisition will be immediately accretive to book value, operating earnings and operating return on equity.

In addition, Tokio Marine and RenaissanceRe will enter a business co-operation agreement, which will enhance their business relationship and facilitate co-operation on a portion of the international reinsurance purchases of Tokio Marine and its affiliates.

Paul Smith, State Farm executive vice-president, said: Bermuda-based reinsurer RenaissanceRe is teaming up with Reinsurance Group of America to launch a new life reinsurer.

The new reinsurer will target large in-force life and annuity blocks globally. Scott Cochran, executive vice-president, corporate development and acquisitions, at RGA, said: In a statement the Bermuda-based company said it had conducted a preliminary assessment of the Tax Cuts and Jobs Act of , which was passed by Congress on December In line with other insurers and reinsurers, the impact of hurricanes Harvey, Irma and Maria, and the Mexico City earthquake, had a major impact on revenue.

We were once again able to demonstrate the benefit of being a long-term, dependable partner to our customers, paying claims rapidly and providing value beyond price.

We executed well on our strategy, protected our capital, and our results were within expectations. I am proud of our team, which worked hard assessing losses, paying claims and writing new business against a background of multiple complex events.

Looking forward, I am excited about the future. Our balance sheets, and those we manage, are fully capitalized and we are prepared for the opportunities we anticipate at the January 1 renewal.

Recognizing challenging market conditions, we executed on our gross-to-net strategy to build and attractive portfolio of risk. We believe that we have the right strategy and necessary flexibility to navigate the market conditions ahead while continuing to maximize shareholder value over the long term.

From March 20, the Ogden rate changed from plus 2. The company said it will recognise the impact on its reserves in its first-quarter results.

RenaissanceRe has increased its dividend for the 22nd consecutive year. The Bermuda-based reinsurer announced that its board had decided to raise the quarterly payout to 32 cents per share from 31 cents.

The next dividend will be paid on March 31 to shareholders of record as of March Given where we are in the reinsurance cycle, we are executing our gross to net strategy, trading underwriting risk for fee income, and protecting our balance sheet for the long term.

We maintained discipline, coming off business that did not meet our return hurdles, buying more reinsurance protection, while also building an attractive portfolio of risks.

We are a bigger, stronger company today, than a year ago, and have the management team, global operating platforms and risk management expertise to serve our clients, third party capital providers and shareholders well in the years ahead.

On the New York Stock Exchange yesterday its shares closed down 2. Platinum shareholders were invited to choose between receiving either RenRe shares, cash, or a combination of RenRe shares and cash, in exchange for their Platinum shares.

Around half of the 37 Bermuda-based employees of Platinum Specialty Underwriters Holdings accepted redundancy packages after the reinsurer was bought out, while the other half accepted job offers from RenRe.

The offers of temporary roles were offered on a three- to month basis to help with the integration process, with the possibility that some of those roles could become permanent.

It is understood that RenRe has also held off filling vacancies in its Bermuda office to allow Platinum staff the opportunity to fill them.

Platinum shares ceased trading on the New York Stock Exchange. Insurance investment firm Cedent Ltd has teamed up with Nephila Capital to create this new Bermuda-based firm to advise corporations and countries on managing climate risk.

Resilience Re was set up to cover property catastrophe risks by Willis Capital Markets and Advisory, a catastrophe bond, ILS, mergers and acquisitions and investment banking unit of global reinsurance broker Willis.

Willis, which has offices on Pitts Bay Road, Pembroke, officially merged earlier this week with Towers Watson, a professional services company with an office on Par-la-Ville Road, Hamilton.

Uses the name Revelation America in the US. Bermuda-based hedge fund manager Revelation Capital Management has been cleared of wrongdoing in a New York court.

But last month, Judge Valerie Caproni of the US District Court, southern district of New York, ruled that the transactions were not domestic and failed to meet the bar set by a US Supreme Court ruling limiting the reach of federal securities laws to trades taking place inside the US or in securities listed on a US exchange.

The ruling said that, under previous court decisions, at a minimum, the purchase most be domestic for Rule to apply. But it said that the SEC had failed to show that any activities related to the Revelation transaction took place in the US.

Rule was designed to ban short selling an equity security during a restricted period and purchasing the same security during the offering. Rule violations were an enforcement priority at the time the complaint was filed in No one at Revelation could be contacted for comment yesterday.

The listed phone number for the company was not operational and e-mails were bounced back. The firm made a name for itself as an innovator in asset management in January after it announced it would allow investors in its Osmium Special Situations Fund to denominate their holdings in gold.

Parent company is RPost International. In upgraded its email encryption service in a bid to address some key issues raised by a poll of companies subject to heightened HIPAA data encryption rules.

L aunched the Registered Email service in Bermuda in October , which ensures immediate delivery, authenticated receipt, and proof the e-mail was sent, its time and content.

Rubik Reinsurance Class 3. Since September has operated the leading automobile and marine fuel distribution network 12 service stations and is the sole importer and wholesaler of LPG in Bermuda.

George's and Ireland Island Dockyard. The firm's retail and marine service stations are conveniently situated throughout the island and offer a range of quality fuels and lubricants for both auto and marine customers.

Also supplies and installs fuel storage tanks, pumps and fleet management systems tailored to meet individual and company needs and budget.

Interesting example of how an international firm can operate in Bermuda despite not complying with the rule. Mr Cohen was not charged with wrongdoing.

A hearing in the proceeding is set for April in New York. Martoma is serving a nine-year sentence for securities fraud.

SAC Re was formed in Bermuda in as one of a clutch of hedge fund-backed reinsurers on the Island. After the hedge fund landed in trouble, the reinsurer, which had no involvement in the insider trading scandal, was acquired by Hamilton Insurance Group in late Hedge-fund group founded by Steven A Cohen.

Sagicor is planning to establish a reinsurance operation in Bermuda, according to an International Monetary Fund report on Barbados.

The financial-services giant moved its holding company to Bermuda last year, but continues to be operated from Barbados, its home for years.

A report by Barbados Today said the IMF draft report on an October mission in Barbados at the invitation of regulator the Financial Services Commission states that as a follow-up step to the relocation of the holding company, Sagicor plans to establish a reinsurer in Bermuda.

The team noted that the insurance giant had not established any operational entity in Bermuda as of the date of the mission, and the senior management team was still operating out of Barbados.

The Sagicor group does business through more than 50 subsidiaries in 21 countries including the US, spanning a range of businesses such as general insurance, commercial banking, mutual funds, investment advisory services, property management, pension fund asset administration and other financial and non-financial businesses.

Both questions are central to avoid supervisory gaps of the Sagicor Group. Caribbean-based multinational financial services firm Sagicor is next week set to back a move to Bermuda.

Sagicor, in a statement to shareholders, said: This would be achieved via a corporate migration, or continuance, of the company in Bermuda and the discontinuance of the company in Barbados.

Accordingly, the board is pleased to present this re-domiciliation proposal to all shareholders for approval.

But the change is unlikely to bring a major jobs boost to Bermuda as the firm would retain its base in Barbados and continue to be taxed there, although it would require an address and resident representative on the island.

Additionally, the continued Sagicor Financial Corporation will have a registered office in Bermuda. The company said that Bermuda was chosen due to the ease of redomicilation, tax impact, ratings stability and reputational risk, as well as its good rating internationally.

Affiliate of a bankrupt Connecticut-based hedge fund, in August filed for bankruptcy protection. The company is seeking Chapter 11 bankruptcy protection, which provides shelter from creditors while a company reorganizes.

The holding company of Caribbean financial services giant Sagicor has completed its move to Bermuda. The firm has discontinued as a Barbados company, where it has been based for years, and redomiciled to Bermuda.

But Sagicor, which operates in 22 countries, including the Caribbean, the US and Latin America, said it would maintain its headquarters in Barbados and continue to be taxed there, although it will have an address and resident representative in Bermuda.

Sophia Greaves, also part of the CDP team that advised on the redomicile, said: We look forward to a long relationship with the group.

Sankaty maintains no office or staff in Bermuda. In it discovered the need to develop the arable land in order to make the project financially viable and sought in-principle permission to build the additional development.

Sardis Development subdivided the property, preserving five and a half acres of the original Sardis Development currently developing the remainder of the site as a one-again resort.

The satellite operates on the BermudaSat-1 network at The discussions included the issue of the moratorium and suggestions on how Bermuda might proceed.

This year, the island has hosted portable satellite tracking facilities operated by Nasa, the European Space Agency, and SpaceX.

Mr Roban also met with Transport for London to talk about technology and travel products. Our plans for Moresby House include converting it into an A-class recording studio as a destination event for international recording artists as well as for the use of local artists.

He said the executive summary was still being reviewed by the new board. An application has been made to the Department of Planning and we expect to see activity on Cross Island in the very near future.

He added that the charity branch of the company, Savvy Foundation Bermuda, had already applied for charity status on the island.

Colonel Burch said former Progressive Labour Party premier Dame Jennifer Smith had been invited to join the board of the international foundation and to be resident director in Bermuda.

He explained that its exchange programme would give local youth the chance to travel and get international exposure. The main thing in education is that with knowledge comes power.

The youth definitely needs that. It now runs its global management business from the Island. In coming months, Scepter intends to announce a series of offshore vehicles for direct investment into off-market transactions in the natural resources and hospitality industries.

It is led by the former Blackstone Advisory Partners Asia team, and its core stakeholders include senior members of Asian and Gulf-based high net worth families.

The firm has offices in New York, London and Beijing. A number of its executives have longstanding ties with Bermuda, including chairman and chief executive officer Rayo Withanage, who attended Saltus Grammar School after his family moved to the Island in Commenting on the commitment to Bermuda, Mr Withanage said: Euromoney magazine has previously named Mr Withanage as one of the most influential financiers in the Middle East and Asia.

He lived in Bermuda during the late s when he worked for Alpha Fund Management. He died in , but for 30 years was involved in all legislation and regulation that shaped the insurance and reinsurance sector in Bermuda.

Earlier this year Bermuda-headquartered BMB, an entity that provides capital and advice to Forbes families, spun out its family office assets into Scepter.

BMB has been described as the first commercial multi-family office of ruling families to unify investors from the Middle East and Asia who traditionally had been competitors.

A London-based global asset management firm. One of the UK's largest independent securities company and investment banks, it has this company, Schroder International Trust Company Limited mentioned above and Schroder Venture Managers.

This company also represents Schroder Investment mentioned above. Also represented is Schroder Wertheim in New York.

Schroders is looking to build up its wealth management business in Bermuda. The venerable London investment house, which has been servicing clients on the island for 49 years, re-established a physical presence on the island last year.

The firm is well known in Bermuda as an asset manager for institutional clients, but is now looking to beef up its offering to wealthy individuals and families.

She has responsibility for client relations and works closely with Schroders team in the Channel Islands. About 10 per cent of those assets are in the wealth management business.

The firm has more than 4, employees working in 29 countries. With the acquisition of wealth manager Cazanove in , Schroders expanded the part of its business that caters to wealthy individuals.

Wealthy clients do not all have the same objectives, but Mr Rock has noticed patterns among subgroups. Then the portfolio would be engineered to match the client.

Just as important was ongoing contact with the client, Mr Rock added, as life events could alter investment requirements. That is one of the strengths in having Ms Peters in Bermuda to meet up with clients.

Mr Rock said many clients had expressed a preference for meeting in person, rather than having video conference calls via Skype, for example.

Inflation is the biggest risk to the financial markets, he said. While he expects stronger growth and a tightening labour market to build inflationary pressure in the US, he expects inflation to remain subdued in the EU and to drop off in the UK.

However, the markets are priced accordingly. Sentiment has come back a bit since then, but there are still one or two amber lights that sentiment is still overexcited.

I see more volatility this year. Schroders is neutral on equities, negative on fixed income, and positive on alternative investments and cash. Schroders sold its Bermuda-based private-equity operations to JP Morgan.

The deal saw many of the 50 staff move to JP Morgan. Bermuda-based, shipping container investment and leasing group. Formed in to hold the existing container leasing investments of Sea Containers Ltd, which filed for bankruptcy in October and was finally wound up in Seacrest Capital Group Bermuda-based oil and gas investment specialists.

The pair have worked together for 15 years. He sees greater deal opportunities abounding in the depressed market conditions.

Seacrest was founded five years ago and now promotes itself as one of the largest oil and gas exploration investors in the world. It is active in six countries, has more than 50 employees worldwide and at present has 49 exploration areas under licence.

Having conducted surveys in many parts of the world, the company has an extensive data library. Seacrest has founded and grown six private oil and gas exploration companies in Brazil, Indonesia, Ireland, Namibia, Norway, and Britain.

The group is funded through private equity, with capital coming from energy investors, primarily in the US and Europe. Those investors include pension funds, private-equity funds and high net-worth individuals.

Acknowledging the downturn in oil and gas prices in recent years, Mr Schröder said: There is going to be an uptick, and there will be intensive activity to find new discoveries to replace the oil reserves that are being depleted.

The last year has been difficult with the oil price going sideways. Our view is that in one or two years from now there is going to be a change.

The [pricing] cycles come and go. It is always about the timing. We can work hard to be positioned when the opportunities come. The Island is also rich in intellectual capital, as well as investment and legal expertise, he added.

We wish that so much of the economic success here can trickle down to everybody, so everyone feels part of the success.

Oil-drilling and oil rig maker, set up by Norwegian billionaire John Fredriksen, with many Bermuda-incorporated companies.

Also operates mobile drilling fleets specializing in deepwater and harsh environments and has about 5, employees. Often touted as a potential suitor for US-based offshore drillers.

Incorporated in by Norwegian shipping billionaire and oil tanker magnate John Fredriksen. Conyers Dill and Pearman has been advising the Bermuda-registered company on the plan and related judicial proceedings on the island since February Conyers said its BVI and Cayman offices were also engaged.

With re-profiled debt and substantial liquidity, the company has announced that it is in a strong position to execute its business plan. The figures below highlight key financial metrics as of the effective date of emergence: He repeated that in an interview with Dagens Naeringsliv on Tuesday, adding Chapter 11 bankruptcy protection was only one option among others and that how much capital he puts into the company will depend on the solution.

Its shares rose as much as 8 per cent in Oslo and 8. However, we expect the market to gradually improve as costs have been reset across the value chain and more drilling activity will be needed to avoid accelerated production declines.

Seadrill last week pushed out the deadline for the conclusion of a restructuring process to the end of April, compared with early December previously, after extending a credit facility and making progress in talks that involve more than 40 banks in addition to bondholders.

Oil driller and well-service provider that acquired Allis-Chalmers Energy in and planned to purchase several oil-service technology companies by the end of Securis Investment Partners are London-based investment managers.

International law firm with a Bermuda office. Biopharmaceutical firm Sellas has appointed financial management veteran Bill Pollett as its chief financial officer.

A biopharmaceutical company with cancer treatment drugs in development that has relocated from Switzerland to Bermuda expects its on-island staffing level to eventually be in double-digits.

Sellas Life Sciences Group has started the process of assembling its Bermudian-based team, which includes a chief financial officer already on the island.

And it is hoped the arrival of Sellas, which was announced yesterday, will encourage other companies in the biopharmaceutical sector to set-up or relocate to Bermuda.

Dr Stergiou said the company encountered almost no bureaucracy as it moved its head office to the island. The process took less than six months.

Equilibria is an asset-management company that set up in Bermuda in The company also has an office in New York. Being based in an English-speaking jurisdiction was a further consideration for the company.

Additionally, Dr Stergiou said: With the incoming administration our sector will benefit. The company focuses on the treatment of various cancers through its immunotherapy agent, called galinpepimut-S, developed at, and licensed from, Memorial Sloan-Kettering Cancer Centre in New York.

The company is now ready to enter into the final stage of clinical testing, phase three, for both of these indications.

Sellas also has ongoing trials targeting ovarian cancer, multiple myeloma, and will also enter into clinical studies for glioblastoma multiforme and chronic myelogenous leukaemia shortly.

Dr Stergiou, who is in the process of moving to Bermuda, said: We are confident that the company will find the island an excellent base from which to grow and continue to develop and commercialize its innovative cancer therapies.

The BDA has worked with Sellas and its advisers for nearly six months, and we are proud to see them establish a physical presence on the island. It brings new jobs for Bermudians immediately, and we fully expect more will follow.

Sequant Re combines ILS and Bermuda's unique segregated account structure to offer a flexible and highly efficient platform for the transfer and securitisation of insurance risks.

The founding principals are chief executive officer Guy Cloutier, formerly of American Safety Re, and chief risk and underwriting officer David Lalonde, a former senior vice-president at AIR Worldwide who spent 19 years with the catastrophe modeling team.

Sequant Re's goal is to lower barriers for investors and expand the reach of risk transfer and securitisation solutions in the reinsurance market.

It will allow investors of any size to participate in the risk transfer business with as few limitations as possible, whether the commitment is short term and opportunistic or long term and strategic.

Sequant Re is licensed for all lines of insurance business, except life insurance. The results fell short of Wall Street expectations. The average estimate of three analysts surveyed by Zacks Investment Research was for earnings of 25 cents per share.

The company has 14 oil tankers, 22 dry bulk vessels, 24 container ships and nine offshore vessels. Ship Finance shares have dropped 3. The stock has climbed slightly more than 2 per cent in the last 12 months.

Investment bank, focused on equity capital markets, alternative asset class fund management and principal finance, has a secondary listing on the Bermuda Stock Exchange.

Shyft Network Inc We have a goal of leveraging new technology to make positive and inclusive change. We have found a similar intent and aspiration with the Government of Bermuda.

It will also support training of Bermudians in blockchain technology and software development. As a result, the country is able to accelerate economic growth, create jobs and attract global interest.

Samuel, the leading specialty jeweler in the UK, Ernest Jones, somewhat more upscale there than Samuel but as prolific and fashion-conscious Leslie Davis with far fewer UK retail outlets.

Also moved its primary listing to the New York Stock Exchange. It relocated to Bermuda mostly for tax-savings reasons, alo to make the stock eligible for inclusion in US domestic stock indexes with a primary stock listing on the New York Stock Exchange, given most of its shareholders are American.

Zale Corporation is a leading specialty retailer of diamond and other jewellery products in North America, operating approximately 1, retail locations throughout the United States, Canada and Puerto Rico, as well as online.

Analysts had predicted a less severe drop of 8. Signet, owner of the Kay, Zales and Jared brands, has been racing to decrease its reliance on mall locations.

The effort has included upgrading its website, increasing marketing and introducing products that can draw younger consumers. But relocating stores is key to the push: It will open 90 to new stores elsewhere.

For now, the retail headwinds are blowing strong, said chief executive officer Mark Light. Signet also announced plans yesterday to begin outsourcing its in-house credit programme.

It will retain its existing nonprime accounts on its balance sheet and continue to open new accounts, but it will outsource the servicing function to Genesis Financial Solutions for at least five years.

Signet, based in Akron, Ohio, began reviewing its in-house credit operations after investors raised concerns that its earnings can become too reliant on the business.

Sompo International Holdings Ltd has launched a new insurance platform and global clearance system, as it aims to offer clients options across insurance and reinsurance markets to help them manage their risks.

Of course, complete integration will take time and we are committed to accomplishing this in a thoughtful and deliberate manner while keeping the best interests of our clients, trading partners and employees at the forefront.

The launch of our new global clearance system is just the first step as we continue to modernize and transform our technology platform across all lines of business and geographies.

The intention is to bring all other Sompo worldwide subsidiaries under the ownership and control of SIH. A subsidiary of reinsurance firm Aspen Re.

Used to help investors with access to diversified catastrophe risk and write a quota share of Aspen Re's catastrophe portfolio.

We are pleased with the progress that we have made in developing strong partnerships with new investors. Silverton Re will enter into a quota share retrocession agreement with Aspen Bermuda Limited under which Silverton Re will reinsure a proportionate share of Aspen Re's globally diversified property catastrophe excess of loss portfolio.

The combination will result in Sirius becoming a publicly listed company, with shares to be listed on the Nasdaq Stock Exchange. The move comes as Sirius, which is controlled by Chinese investors, announced that its agreement to buy a controlling stake in Israeli insurer Phoenix Holdings is set to be terminated by next Monday.

The group also has offices in London, New York and Stockholm. Easterly is based in Beverly, Massachusetts and under the terms of the deal the US asset manager would merge with a subsidiary of the Sirius Group.

We believe this transaction will offer tremendous value to our shareholders. The loan will be forgiven if the merger does not close by November 30, Passengers and visitors at LF Wade International Airport should have plenty of food and drink options to choose from when the new terminal opens in Plans have been drawn up for almost 11, sq ft of food and beverage concession space, split between the airside and landside of the building.

The largest of the five new concessions will cover 3, sq ft and be located in the non-US international departure area. At present, there is no food and beverage concession airside for passengers heading for Canada or the UK.

The first stage of the process to find food and beverage concession operators for the new terminal has begun. Bermuda Skyport Corporation Ltd is inviting expressions of interest from qualified food and beverage concessionaires to finance, market, operate and maintain one or more of the concessions locations.

Skyport is responsible for the LF Wade International Airport operations, maintenance and commercial functions. It is also overseeing the construction of the new terminal.

A comprehensive plan for food and beverage outlets in the new terminal has been drawn up by London-based Pragma Consulting, which has worked on numerous airport projects, including London Heathrow and La Guardia in New York.

He explained that with less than one million passengers passing through the airport each year, and departing passengers being segregated between the US pre-clearance portion of the terminal and those on non-US flights, the airport does not achieve the critical mass of passengers needed to make a food hall a feasible option.

However, the new terminal will have two food and beverage concessions on the ground floor landside, that is the public areas open to all.

The other three units will be airside on the first floor of the new terminal. These are for passengers who have passed through the security screening area.

There will be two concessions in the US departures side, totaling 3, sq ft, and one large concession in the international departure area. This month, Skyport also invited expressions of interest from qualified retailers to market, operate and maintain retail concessions in the new terminal.

There will be ten retail units, split between the airside and landside of the building. The total retail space will be more than 9, sq ft. The call for expressions of interest for the retail units closed last Friday.

Qualified food and drink concessionaires interested in operating one or more of the units at the new terminal should submit a summary of qualifications and experience to Skyport by Friday.

Request for proposals will be issued to qualified parties in August. In December it bought 4. Good Times Restaurants reported it simultaneously entered into an amended credit agreement with Wells Fargo Bank on its existing term loan that modifies certain financial loan covenants and collateral commitments.

Sol Petroleum Bermuda Seniors can get a fuel discount for eight weeks under a promotion from Sol Petroleum Bermuda, its family of Esso service stations and Age Concern.

Anyone aged 50 or older can get 10 per cent off fuel purchases at Esso every Tuesday until March 21 when they sign up as a member of Age Concern.

I also now knew that I was the center of their very universe. Wherever Becky was, it was pitch black. No light at all. Suddenly the obits section of the San Diego Post appeared on the hologram screen.

As I read it my eyes spotted my own name. I appear to have died tonight of a massive heart attack. I check the date again and yes, I die tonight.

When were you going to tell me? Should I make out a will or something. Oh hell, Oh Hell. Well I hoped so anyway. As of this moment your body has a clean bill of health.

There is nothing wrong with your heart. As you already know from the news story her name is Susan Black. They will come for her some time after midnight on the seventh Very good Doctor Evans, I think I shall like working with you.

After Becky returned a little while latter with plenty of Chinese take out, I settled in to wait while stuffing my face.

The Dynamic Duo seemed to have everything under control so I found myself falling asleep on the coach. I was just fixing to get up when my doorbell rang, so I just kept rolling to come up on my feet.

Bye, bye Uncle Harry. One problem down, now for the rest. Is there anybody else we should know about? You notice I was reduced to just mister now.

Both MIB walked past me as I shut the door and got shot in the back. Well not shot dead shot thank God, just shot with something that paralyzed me.

Just fully conscience and frozen there like a damn fool statue. Taking a hypodermic syringe from his inside coat pocket, and removing the protective cap, he walked toward me as Number Two MIB pulled up my pants leg and rolled down my sock.

They never check the legs and a air bubble in the main artery always stops the old ticker just fine and requires very little clean up afterward.

What more can you ask for Dale. Everything else was frozen. We have it covered. About that time an excruciating pain hit me in the chest and I went out like a light.

I just hope my next ones are more pleasant. Yes, Robbie and the girls say I might have to die several times before all this is over.

When I was revived latter, I found out I was now officially Jewish. The Marines do not allow you to be an atheist. Every time I got bored I had new dog tags made and tried for Anyway I found that Jews have some peculiar death and burial customs that Robbie and the girls made use of.

No autopsy was done on my dead body because of my religion and my family doctor signed off on my death certificate.

That taken care of, my body was released to my grieving Granddaughters for burial the same day. The wonders of the modern age where everything can be done over the telephone, even robbing a bank.

I even had full documentation to prove that I was my own son, my father even had a tombstone and plot at Riverside, who knew. Now I needed something to eat.

Oh, the important things in life. I figure you were probably the last person that knew anything about Project Alice. You just officially died Harry.

We then kept you apparently dead for several hours Harry. I had your nanobots bring you back without any damage to your heart or body when me and the girls had all the loose ends tied up.

Midnight, the witching hour, several days latter found the four of us parked in front of an apartment complex in the hills overlooking Mission Beach.

We were in a late model dark blue panel van marked up as a pizza delivery truck, that somebody had done some heavy modification to.

Well that is unless they had started making auto glass that you could turn completely black with the push of a button.

We could look out but nobody could look in. There were a few other gadgets that I figured were not stock. Robbie also bragged that he had modified the lights to not give us away if we had to tail somebody.

He said that he got that from watching reruns of cop shows from my era he proudly informed me. It feels like they were designed, no I guess you would have to say genetically engineered for a particular type of client They were real working girls where they came from Harry, ha, ha.

In their case they were working as real plumbers where I got them from. You could say they were bioengineered for their job.

They were designed to be small and compact and are much stronger than they look Harry. Where they were when I found them they could only dream of being owned by a real Master until I offered them the chance.

They are just like a bitch dog in heat, openly expressing that they want They are different from most of the others though, because they were given nanobots, and actually trained and educated to do a job.

Before their kind, all sex slaves were born sterile, were never educated, and died relatively young for their kind.

They were just trained with the nanobots, but never, never, ever allowed to keep the nanobots after the initial training was done. Where I found them they would never have even seen a man, more or less have a real Master of their own.

You yourself was one of the main reasons it was so easy for me to recruit them. I promised them if they came with me and served me fatefully, I would give them their very own Master.

He turned Man into a pet and found out he needed Man when he met another Singularity in the future, but by that time it was too late for US on that time line.

OUR future Harry is up to us now. Call this his atonement. HE will probably never even know if you succeed. Well maybe the human race anyway.

The interior of the car lit up as several displays came online and lit up the interior of the car. Not light or sound or anything you can scan.

One screen seemed to follow Susan into her apartment, where she finished her call on her cell phone, dropped it on the table beside the door, and began to shed clothes even before the door fully closed and locked behind her.

By the time she reached the bed in the next room she was fully naked and just dived onto the bed face down. She seemed to go to sleep the minute she hit the bed.

Susan appeared to be a very uninhibited girl. Walking silently to the bedroom door one took out a modified CO2 air pistol and quietly shot a feathered dart into her pretty little exposed ass cheek.

Other that a little shudder Susan never even moved or uttered a word. The shooter waited a little while longer and then approached Susan.

Checking her neck for a pulse he gestured to his partner who went out into the hall and rolled in a large trunk.

Laying it down they opened it and took out several things. Finally prepared they lifted Susan, placed her in the padded trunk and strapped her in.

Then they put something like a gas mask on her and attached a tank to it. When the trunk came out it was loaded into a waiting marked Orange County utility van and off we all went to see the wizard.

Hundreds of surplus ships from W. II and latter Korea. Too old to see active service, but too new to just scuttle someone up there figured. Sometimes just used as target practice by the Navy to test new weapons systems.

So the Navy anchors them and gives the Marine Crop the dubious duty of guarding them. Among them are several hospital ships.

We traced Susan to one of the Hope Class hospital ships. We always knew that Susan was duplicated, just like we knew you died.

Those facts are fixed in the time line they came from. In fact Ann and her sisters are some of her great, great, great incarnations.

Now we know it was on one of these hospital ships. They would make a perfect base for them to operate from.

They are really small cities. They could have even moved them around later to throw off any investigation that got too close.

No wonder they never found where the copies were coming from. Can you forgive me Somebody must have shot me again, because the next thing I knew I was awake in a strange bed with Ann hugging my back and Becky curled up in front.

A real sexy situation, we were all still fully clothed in T-shirts, jeans and light jackets, with our running shoes scattered all over the room.

Now does someone want to tell me what comes next. We assumed that they were operating from one of the big college labs or Silicon Valley startups up north in LA.

Now we find out that they have commandeered an entire Hope Hospital Ship down here almost on the Mexican border.

An entire freaking Hope Hospital Ship, maybe two or more for all we know. Who could have figured this? Anyway Robbie has changed everything now.

We are now going to steal their entire operation, lock stock and ship. Then lunch on the pier next to the jetty latter or maybe try out one of the new Roach Coaches that are always showing up in the parking lots on the edge of the beach.

I soon discovered that the girls had two gauzy pullovers that made what they were almost wearing legal in most states.

Even being dead I still looked like a younger version of myself, but way too old and pervy for this jail bait I was with, ha, ha.

Five engineers, five medical doctors, ten male nurses and five muscle headed grunts, along with the rouge AI.

That makes fifteen copies that we have to deal with. As they are now they are no good to anybody. What we have to decide now is, what do we want to do with them.

By the time they came along there were laws that deprived them of any right, they were sterilized at birth, well when they were created anyway, and at the end of their useful life contract they were quietly, but efficiently automatically terminated by another implant which appeared to be a natural heart attack They are only five of a batch of one hundred that were made from their original.

By the way, the original was part of a small breeding pool of females artificially inseminated with a tailored sperm specimen from a large frozen sperm bank.

Originals were never educated, but were treated well for the most part. When they were judged mature, ripe I guess you would have to say Harry, they were popped into your machine and duplicated by the hundreds.

I answered with a shrug and observation. I read this story in an Norton Anthology once that put forward the premise, that for some reason people started breeding people to replace cattle as a food source for some reason.

Do you understand Robbie, at birth they were maimed and branded. At birth these children were deprived of the ability to communicate with the world around them, or manipulate objects.

I paused and allowed Robbie to continue. Yes, it would be Harry, but effective Harry, very very effective. Expect the worst and you will never be disappointed in your fellow man I always say, ha, ha.

We seem to forget history awful fast. And so started our infiltration. After a week we had the Hope ship itself completely isolated and we controlled everything and everyone that went in or came out of the ship.

I was beginning to doubt that there was an AI involved. Nothing I had learned so far precluded a purely human agency from doing all this.

So I became restless waiting for Robbie to act. When I came in form the beach the next day, Ann was waiting with a large bound volume of computer printout.

It turns out you can do just about anything with Nanobots. So I decided to give them the same full organic package I had gotten, plus some added features like the ability to control their facial muscles, control of the mellin or skin color, hair color, even the ability to mask or change their fingerprints, and a few other necessary things that I could give them right now.

There were other things that would require time and patience on all our parts. The place to start was the skeleton itself and work outward from there.

With the right dietary supplements and a plan of action the bones themselves could be strengthened, modified and reinforced.

The same can be done for the musculature itself. Not only can you grow bigger and better muscles you can add things like carbon to the tissue around vital organs to make them bullet resistant, bulletproof is a much overrated term.

I was intrigued and as a joke asked Robbie if the girls could produce chocolate milk on what I thought was our private channel.

I was shocked and embarrassed when all the girls replied that they would think about it and see what they could think up.

What kind of Frankenstein monster was I creating? It turns out that individual nanobots are intentionally made rather dumb on purpose. Working as a group like bees or ants they can do just about anything given enough time and the right kinds of raw materials to work with.

In fact removing those specific poisons is the only true function that is actually built into all the nanobots.

After that they are directed by an external computer to do or construct other things, Robbie in this instance directs them. In our case they then construct small semi organic computers in different parts of the brain.

Because of the communication protocols, Robbie still has the ability to direct all the implants and nanees, unless he intentionally terminates that control.

Robbie explained that the protocols are so deeply encrypted that it is virtually impossible to hack his, well our, implants now. This had not always been true.

The first Nanobots had been developed to remove certain cancer cells. Soon the patients were all dead. Even with their new brain implants it would still be months, if not years, before my fifteen new recruits were intelligent people again.

It would be at least weeks, more likely months, before they could even feed or cloth themselves, more or less hold an intelligent conversation with any of them.

In fact I began to suspect that Robbie knew this all along and had planed it this way from the start.

It was too deeply entrenched in the government and military systems to attack directly with any success.

Recording and transferring personalities is much more dangerous than the teleporter ideal ever was. How many people would pay to wake up in a brand new younger body.

I would never consider it. The ME would have died. That is not me. With the push of a button all the key human personnel on the base and ship froze in place.

Ann took over the gate and Edith handled the phones. Then under our instructions it was towed to a new position across the bay where it was re-anchored.

The tug then left our area on a new assignment. As soon as the tug was out of sight, Candy and Diane started painting new numbers and a new name on our ship, which now existed in those same computers.

In mere hours one entire Hope Hospital ship had effectively disappeared and a new one was created. Another push of a button and the base personnel resumed their duties, not remembering anything had happened or any time had passed, while the bad guys on the Hope slept on.

The blocks will keep them out until we want them to revive and they will not remember anything. The upgrades Robbie gave our implants made us even smarter, but this is just us.

Nobody wants an old overly smart sex slave. Here I had thought they were all teenagers and I was going to be lucky if they were even legal.

At the same time I knew that I was going to have a hard time convincing anyone else that they were that old.

Make that impossible, ha, ha. Now I had inherited fifteen more barely legal aged that were going to be just like them in the end. As it was I doubted that any of them would ever be able to buy a beer, or get in the local bar if they were carded for that matter.

Even with a proper California drivers license, nobody would believe they were twenty one no matter what the drivers license said.

All it did was split and amplify the original signal through something as simple as a crystal prism. Once the 3D printer part of the process was perfected that was as far as I got with their new part of the project.

Mind control and brainwashing did not enter the picture here with the copies anyway. We, well anybody really, with the proper knowledge and drugs can erase short term memory, but we are still years away from being able to transfer long term memory wholesale.

Our problem was filling their empty heads with what we wanted. We needed to figure out how to educate them in the fastest most efficient way possible.

So we started our studies of the most efficient ways to pump information into those pretty little empty heads. Something that Robbie had apparently already given a lot of thought to.

We finally decided on an immersion rig and drugs, along with deep hypnosis. That combined with their implants that allowed us direct access to the proper parts of their brain should speed up the process considerably.

While researching these methods we came across several internet sites like Erotic Mind-Control Stories Achives, that gave us all kinds of information and ideals on producing better sex slaves or as they called them Bimbos, but very little on freeing or educating sex slaves to be people.

Twisted Minds Limited had a lot of valid rules to follow in maintaining a Harem. In fact I found that the story, The Perfect Master, by br0dband and Uncle Joe, by b4uweremine , that Candy recommended I read, did give me insight into what all the girls wanted and were feeling about me.

For them this was what they were born for, a dream come true. They must sense though that there was a part of me that wanted, no demanded that I free them.

That part of me insisted it was wrong to keep, well own another person. I guess we had a lot to work through. They were what was to become my original girls, or First Pod, all the time now.

Yes, I knew in the back of my brain, it would be expected of me at some point, I continued to put it off. No matter how I rationalized it to myself, that part that society had programed, well really conditioned, said these were under age girls, proverbial jail bate.

Right now I was happy for the distractions from my odious duties, but do you realize how much time it takes to feed, wash, and diaper fifteen adult babes, when there are only six of you to do the work.

Until now I had never realized how UN-sexy a full grown adult baby could be. I was just thankful that they now make Pampers disposable diapers for adults and we were based on a hospital ship.

I also have to say that they certainly smelled almost as good as the bacon did first thing in the morning. Once I commented that they smelled good enough to eat and almost got mobbed.

Robbie seemed to think it was extremely funny at the time. Another six months and they were High School equivalent. So we quit requiring them to submit to the immersion rigs and drugs and just let them study what they wanted to on the Internet, with the addition of a little light hypnosis to help their concentration.

Each of the copies was fiercely loyal to me and the group by now. When I took their program apart I found they were programing the copies to be sex slaves just like them, or what they approved of as a sex slave anyway.

I became concerned and tried to stop it, but the programing was already pretty much done and always seemed to mysteriously reappeared as soon as my back was turned.

I tried my best to take it out, but it always wound up back in and finally it was done. It appeared that this Master had very little control over his slaves, Twisted Minds Limited did not know everything, ha, ha.

Holzer, that was more like my situation I thought. We had long ago packed up the baddies in boxes and took them off the boat four at a time.

We loaded them up into the gray unmarked Navy vans we had requisitioned and drove them out into the sticks somewhere and un-boxed them. Leaving them on the side of the road waking up as we drove away.

Finally they were all gone and I got around to questioning Robbie about where the money and supplies were coming from.

What do you have in mind? China, Japan, Korea, the best of the best. They need you to use them. Who am I kidding they would probably love it.

They have restrained themselves, at great personal expense I might add, for over a year waiting for you to make use of them.

By the way the copies are all fertile, for some reason they were not sterilized. All six of us met in one of the large exercise rooms on C Deck, with all the other girls either there or tuned in.

Twenty terrors I had let loose from either Heaven or Hell, only time would tell which. Think of every sexual fantasy or dream you have ever had, and yes they had had direct access to my deepest dreams and fantasies for over a year now.

Yes, think about it, every dirty thought or repressed memory rattling around in there and imagine that multiplied by twenty and directed directly back into your own head.

I was instantly hard, no make that harder than hard. They wanted sex, raw sex, adventureous sex, romantic sex, anyway you can imagine it sex.

They let me know in graphic detail and in living color, smell, and even touch, what they wanted form me and what they were willing to give in return for that pleasure.

They needed direct skin to skin contact. They needed to be held and cuddled and told that I loved them. That I wanted them for themselves and needed them.

Most of all they wanted to be loved and needed as persons. Sex is no substitute for love and they wanted to be assured that they were loved and valued for themselves as a person not as an object.

We have waited impatiently an entire year for you to adjust to your new body. We need you now. After mentally conferring among themselves. They had their own private channel it seemed.

They posed me another question. Now what do we do about the copies. The copies can change their faces, skin and hair color and weight.

From now on we will tell you what we need and you will try to fit us into your schedule. We, by the same token, will try to be flexible.

To help you, we have helped each girl That day will be devoted entirely to that girl. You can do any activity you want with her.

Play putt putt golf, Hell take up golf itself for all we care, but at the end of dinner that night you will tell her what you expect of her for the night, and then take her to bed.

In bed you will have sex with her and sleep with her until the next morning. You will hug and cuddle her all night telling her how wonderful she is and how much you love her.

You are not to worry because every girl has now been implanted with a birth control device in addition to the nanees themselves.

None of your so-called girls will ever become gravid with an unwanted pregnancy Master. We can read your mind all the time Master.

We are always tuned in to you Master. We have given you an entire year to regenerate Sir. You could now pass for the age on your drivers license Harry Junior, age 38, ha, ha.

Your nanees have regenerated and improved everything, and they are still working on your body. You are repressing your sex drive Sir.

Let go, use what we have given you. Live the dream Harry! Maybe I should explain a few things about what goes into making that beautiful body you are now seeing.

There are programs out there that researchers have put together to do just that. So now we have his likes and dislikes.

This is all subjective, after all beauty is in the eye of the beholder, but it is something to build on, and we find that a lot of it is Jung Gestalt Archetypes, or primordial images, as he first called them.

Even now I can remember my first live sexual fantasy. Now with the nanees the girls could have any body or face they wanted and test it out on me and compare notes with their sisters the same day.

I admit that like everyone else I was influenced by events in my youth, those formative teen years. Being male I just admired without any conception of what a female had to endure for male gratification.

My only instruction to the girls was to try for a body that was pleasing to both themselves and me. They promised they would try.

So years later I sit here and remember my first experience with world class knockers. I was an Oh so ancient twenty three year old Marine Lance Corporal at the time, trying to talk a big titted Vegas showgirl into going to bed with me.

I had been a high roller at the Black Jack table and was more than flush that night. I had flirted and tipped well and was finally able to wrangle a date and be invited into the dressing rooms back stage.

At that time some of the dancers costumes were more like a straight jacket than a headdress. The headdresses could be four feet high and weigh a ton.

This was shortly before every aspiring actress or trophy wife could have both silicone breast and butt implants in the same operation. Then before the honeymoon was really over they could later argue about the custody of those same implants and pet in the later divorce.

Oh, hell who am I kidding, the first time I groped a girl on a date in the back seat of my 56 Cheve Bel Air I discovered she had stuffed her bra with nylon stockings and later when she grew up, ha, ha, she bought molded foam rubber falsees.

Sue, Barb, and Jane, the three show girls, that invited me back stage, and who I got to ogle as they changed costumes was a real treat.

As an experienced sophisticated man of the world, who am I kidding, it was all I could do not to openly drool like that cartoon wolf with his tongue hanging out howling and panting after the eye candy surrounding me.

Now we call them models. The three I was romancing were just under six foot tall in their stocking feet, naturally slim without dieting to get there, and only a inch shorter than me.

Compared to Jane, Sue and Barb were flat chested, and were very much aware of it, even though they were anything but flat chested really.

Because of my winnings both here and at Twenty Nine Palms, better known as Twenty Nine Stumps, I had a weeks leave and the papers and base passes to show to prove it.

I had ten days before I had to make formation on Monday morning. In other words the poker game they were running in the barracks was crooked.

So I headed for a back to back week in Vegas. I could lie to you and tell you that I played the Black Jack table and won a fortune, but that would be a lie.

As they are quick to tell you this is not entertainment for them, this is a days a year, 7 days a week, 24 hours a day business for those that live here, your only a visitor here.

Your just a tourist passing through so keep it that way. Anyway this was a kinder gentler time in Vegas. Viet Nam, better know as just Nam to everybody back then was in full swing.

Air America was flying high, and Vegas was doing their patriotic duty as they saw it to entertain the troops. The rest of the good citizenry were sending their favorite sons and daughters off to Canada to avoid the draft and the more civic minded seemed to be camped outside our gates down at MCRD San Diego protesting the war.

First they offered to sprit us off to Canada to desert the unpopular war, then they would spit on us when we laughed at them.

Vegas on the other hand seemed to love us. It was nice of Jimmy to welcomed all the deserters back with open arms to heal the wounds.

We all asked what wounds? I guess it was all those holes we all had in our backs? Their grass was always premo, their chocolate brownies loaded with THC additive, better known as marihuana oil, and their women were often uninhibited.

Except for the rare exception like Charlie Mansom, they were nonviolent. One of my most disillusioning moments latter in my life, was when the Hari Cristas became violent.

It could be an interesting weekend in San Diego if you wanted to play the game with the Flower Children while you went to electronics school there.

Just be sure to bring your own prophylactics, better known as a rubbers. How dare you damage that valuable piece of government property.

Anyway back to my wild week in Vegas. If you played your cards right a serviceman could live it up in Vegas if he was smart.

The dealers knew we were the ones with the almost skinned heads weather in cives or uniform, I guess I had a whole inch at the time, a real inch not a Jarhead inch either.

The dealers would even let us know that they knew we were Marines and would subtlety tell us when we had reached our limits at their table, if we took the hint we got to keep what we had won.

Of course if we pushed we would start loosing, loosing fast. You had to look at it this way, as long as you was gambling it was free food, liqueur and entertainment.

This week I was doing real well. I had started at the smaller casinos and worked my way up the strip. Vegas is constantly renewing itself and reinventing itself.

Filet Mignon, baked potato with sour cream, followed up with Longuesta, better known as Cuban Crawfish tail in butter, the Southern version of Maine Lobster, but without the big red claws.

Naturally Jane, Sue and Barb joined us midway through the meal. Before I knew it I had a complimentary suite, and tickets for several of the headliner shows.

Late that night I found myself back stage with a bunch of naked, well seminude at least choirs line girls changing between shows waiting for their shift to end.

Vegas itself never sleeps, but us mere mortals have to. Prostitution is legal in Nevada, just not in the city limits of Vegas, which has nothing to do with sex between two consenting adults, though there are a lot of laws on the books about prohibited unnatural sex acts and what they were, even in Nevada at that time some things were frowned upon.

I will admit if this had been before my induction into the Corp I would probably have been hiding under my chair not sitting calmly in it. So finally the girls backed off a little and a few of them sat down and started telling me about how us males did not appreciate what they have to go through to support that impressive rack.

How they would do anything for just a little back relief sometimes. They all had even contemplated the radical new breast reduction surgery the AMA was lauding as the answer to all their complaints, but most admitted that they were as hooked on the attention their breasts get them as I am.

Most would admit that since puberty struck, and they sprouted early, they had always been special because of their breasts.

After that it became a conditioned response, want something thrust out those breasts. Most would even admit they got high on the male response to their breasts, which became a conditioned response in the men they flirted with and dated.

From their perspective, in a world full of other women they were special, without their breasts they would be nothing, the loss would completely shatter and destroy their whole world view, leading to depression, suicide attempts, and eventually death as a probable outcome.

That is why breast cancer is so devastating to most, if not all women, and why reconstructive surgery is so necessary and important to cancer survivors.

For a moment I was confused. There were only women around me, I had thought. I was to learn that like in the ballet and opera, men, transvestites, better known then as queers, were the main stay of the chorus line on most of the Vegas stage shows.

They ran as a group and wandered downtown where they managed to get picked up by George and company. Weeks latter they came back to MCRD and bragged about these hot chicks they had met and had hot sex with all weekend up in the hills.

While describing them I realized they had gone home with George and company. I waited and finally it was confirmed so I let them know at our weekly poker game that their hot dates were really men.

That the hot pussy was a dick. I admit I thought, well really hoped I guess, they would come after me. Unknown to me they had been shacking up with George and company on a regular basis for weeks.

The next thing I knew all three of the good old boys were in the hospital. George had beat the shit out of them and then, talk about insult onto injury, he then had them arrested by SDPD and then turned over to the Navy Shore Patrol.

After that the group broke up and I never turned my back on them again. Of course they never gave me anymore trouble after that either.

As a foot note to this, Miss Sid was later shot in the back, it was in all the papers in Alabama at the time. I understand he was shot four times in the back with a The State had to send down a special prosecutor.

It was admitted that Sid was leaving and had not threatened the man that shot him in any way. On the stand the shooter stated that he had to kill the queer and the only way he could safely do that was to shoot him in the back.

The good old boys on the red neck jury found him not guilty and released him, ruling it self-defense. To put it simply, the human body is not really designed to support big breasts and walk around upright.

With enough injected silicone breasts could be enlarged, butts padded, and the face structure changed.

As a result of the immune systems attack the silicone was encapsulated as a foreign body and the human body tried to rejected it.

The result was the recipient became extremely sick. A few years later some of the bigger plastics companies like Dow developed the first so-called silicone breast implants.

Notice I said resistant, not immune. Everyone knew the implants would eventually start leaking and have to be replaced, but that was in the future.

As a side note let me point out that heart transplants only became possible because of the anti rejection drugs they later developed.

The operation itself had been perfected years before. Nobody died of the operation anymore, they died of organ rejection.

With the nanobots, we now all had, it became possible to design both the breast itself and the underlying musculature to handle them and even modify the spine and ribcage itself.

When I was young my Mother bought us a set of Encyclopedia Britannia. Each transparent page, like the skin of an onion, could be peeled back revealing everything under the skin, muscle, fat cells, blood vessels, organs, everything.

When altering the face or breast there are many ways to go about it. With the nanees you could grow or alter bone, grow or alter muscle or add fat cells, or variable amounts of all these and other things with the same results, but different feels or textures.

My girls made a study of wiggles, jiggles and sways with and without bras. They even experimented with lactating to see my response.

Finally, inevitably, they got around to morphing into girls I had had a crush on in high school. Yes they knew them all. Then they got into young girls, girls in Catholic school girl uniforms, cheerleaders, finally girls that were just obviously jail bait.

That was where I finally drew the line. The line between fantasy and reality can become really really thin and with absolute power comes absolute corruption, which I tried to avoid as much as possible.

Before you get all sanctimonious on me about the age of consent thing I wish to point out a few things from a lawyers point of view.

Not as a debate on the subject mind you, just facts. First, the age of consent is not fixed in stone. I think we all remember Jerry Lee Lewis and just the other day a 10 year old was married off, with her parents consent in Mississippi.

At least 48 states are trying to pass laws to make the age of consent uniform. It was a unrebuttable presumption that a juvenile young person could not form the intent necessary to commit the crime.

Fourth, there are certain images that solicit involuntary male responses and seem to be Jung Gestalt Racial Archetypes, certain Primal Images.

Fifth, until recently women were protected in much the same way any prized breeding stock is protected, and not even allowed to vote or own property.

These are just facts, deal with it. There is no one size fits all. After working for years to pass laws and get habitual drunks off our roads God save us all from the drug addicts out there today and prosecuted for intentional homicide.

We got a three time loser, no license, not even supposed to own a car, who runs over a man standing in front of his own mail box.

Everybody is aware of Maranda, of course nobody remembers the next man that appealed a case that was exactly the same as Mranda.

Only blacks have Civil Rights. Civil Rights are not equal rights for everybody. Now enough soap box, I finally wound up with all three girls taking me back to their economy apartment instead of my suite.

Really there were two large rooms and a bath shower room, closet, whatever. They had two twin beds and one queen size. The room divider acted as their coat hanger and a sofa that pulled out made up a fourth bed for guests.

They also had a small box refrigerator and toaster oven. How they wanted to know. I know nerve clusters and pressure points and can massage out all your kinks and teach you how to do each other I bragged.

If this had been back at base it would have been the ever popular evergreen smelling mentholated A Bomb the medics handed out.

Here I warmed my hands over the chafing dish food warmer things flame, something that one of the girls had come up with.

Unlike us macho men girls are delicate little things. Of course she was face down on her single bed while I was doing all this. I started from the soles of her feet and worked up from there.

As I worked I pointed out the major muscle groups, nerve clusters and other parts of interest along the way. Then I explained how to get them to relax and relieve the stress and trauma those muscles were under right now.

Personally the two areas I had the most experience with are my own groan muscles, strained from over extended kicks and too much time trying to maintain a full lotus on the mat.

Plus the insides of my arms and legs developing knotty Charley Horses, gifts from my instructor as punishment for missed blocks. Pain is good young man!

Pain lets you know your alive! So after I did them both, I sacked out on the sofa with a pink blanket one of the girls had been kind enough to provide before she zoned out.

I was so wasted by then I went right to sleep, not even having dreams of naked women jumping over the moon, or anything else for that matter. When I rolled out of bed the next morning I was surprised to discover the girls still sleeping like I had left them last night, still snoring.

Hey, girls snore too. I left them like they were and did a little stretching exercise of my own to remove a few little kinks from my own spine.

After they got up I found that they had some hard and fast house rules, nobody brings home a date, no sex in the house, and any male they brought home has to be gone before they lock up.

Technically they had violated all three rules, because they all agreed my massage was much better than sex and they wanted more, but right now they were starved and needed to be fed so come along.

Turned out that the employees of the casinos ate free from what was left over, much like the Corp and midnight chow.

Breakfast was like a giant smorgasbord. The steam cabinets were full of just about anything you could imagine and that even extended to drinks.

Some of the wine bottles had never even been opened. Though I never had intercourse with any of them, management actually discouraged it on the premise, I got to play with all of them as long as I followed the rules.

If companionship had not been enough, I told myself, I had money now and there were several whore houses just outside of city limits if I just wanted sex.

It was an interesting week never to be repeated, but always remembered. He liked to brag he had been everywhere, seen and done it all. Then he had started on men the same way as the women, and in the same order probably.

He had probably tried alcohol too in his youth, but never became addicted to it, just familiar. Latter he had indulged in most of the other so-called recreational drugs which he understood and avoided using most of the time.

He found they had no control over him, though there was probably a ready supply close at hand for his special friends and guests.

The same was true of the beautiful women, and men for that matter, that surrounded us right now. They were just objects that had lost their luster for him.

They were just lures nothing more. Sex has become a game and he has come to rely on the little blue pill to get and keep it up.

At one time psychology said people were one of three things, social, antisocial, or asocial. Latter asocial became psychopath, an asexual person will screw anything that walks, crawls, or slithers across his path if it catches his interest.

I will let you choose where to put John on the list, knowing that he has never forcibly raped anyone yet.

Before the end of the week Johnny had made his move and sprang his trap. I had drank his Scotch in moderation, declined his drugs absolutely, and avoided the always available supply of pills within reach.

Usually there was a big bowl set out on a nearby table full of every color of pill you could possibly imagine, every color with a name associated with it, like reds are Reds Birds and the yellow and purple ones are Yellow Jackets and on and on.

In the end I had chosen not to experiment with the other sex or get too kinky with the women. I parted company with John on amiable terms on Saturday in my 56 Cheve Bel Air v8 headed back to base.

I still had an open invitation to visit him at his small home, estate in Palm Springs if I ever decided to try out the style.

I now had twenty hot women to satisfy. Hey, they are my household now! Now honestly I ask you, would that have been any better a name? So it came as no great surprise when Ann and Becky set up Sex Education , with Edith and Daine as teachers and Candy as our ever so delightful demonstration model, that evening.

After we all divested ourselves of our unneeded clothing, Candy was lain out on the bed and I was given the grand tour of all her most sensitive erotic parts by Edith and Daine, finally winding back up at her clit and pussy lips.

There it was, no doubt about it, a healthy, intact annular hymen just like Robbie, Edith and Daine had said. They were all virgins. Her vagina was smaller than normal I judged, and shiny with vaginal excretion and exuded the odor of her excitement for all of us to smell.

The clitoral shaft was deep and pronounced, the hood short, and the clitoris itself fat and extended with excited arousal.

It was also low-set Penthouse Forum, the so called expert in these matters as I remembered it, says that about seventy percent of women will go through an entire lifetime failing to reach a full orgasm during coitus naturally.

Just think about that, she would never have a complete orgasm through normal regular sex because of a mistake of Mother Nature.

Young Candy here though, and her four other identical Pod sisters, were built, no make that genetically engineered I reminded myself, for pleasure during intercourse it seemed.

I personally had no experience with virgins and only knew there might be excessive bleeding when penetration occurred Well the gospel according to Ann anyway, is that bleeding is mostly due to abrasion from lack of natural lubrication, who knew?

He was also the one that introduced us all to oral sex with the opposite sex in the first place. According to him eating pussy is similar to eating raw oysters out of the shell, in both cases the taste and texture are the same he claimed.

Honestly I had never cultivated a taste for raw oysters until now either. I was really beginning to get into this hands on practice training now that we were getting to the good parts.

Usually, it is not this visible, but when a woman gets aroused, it pops out of its hood. The trick of getting her off is to not touch it too much.

Rubbing the base of it through the folds or gently flick it in a teasing manner with a finger or better yet a tongue is the ticket to getting any woman off.

You really need to remember what a woman really wants is variation, variation, and more variation. There are other parts down there that are sensitive too, like the crease between her inner and outer lips.

The clit is the little bump above the opening. Wet your lips, put your lips around her clit, and suck it into your mouth gently and keep sucking just a little harder Giving Candy a number of tentative, testing licks, I soon found the nubbin and wrapped my lips around it, as directed, then using two fingers and then three to penetrate her pussy lips I reached first base as Edith wanted to call it.

Pushing in and out at a steady pace while increasing the strength of my suction and tongue action I worked on the squirming Candy.

Something I had been looking forward to all along. Now that I had satisfied them they wanted to satisfy me, which I was more than ready for now.

Breasts, nipples, the hollow of her neck, even her belly button, and never forget that most important, the almost mystical G-Spot. All of these are an erotic turn on for women.

While I was out they had run a series of pictures and short video clips by me. They downloaded all this from the internet and other places.

Women from every segment of society and parts of the world both past and present. They had done this with dressed and undressed versions of them, short and tall versions, large and small breasts, high heels and flats and other things.

They cataloged my reactions while I was under the influence of the drugs and nanees, and by this time they knew more about my sexual preferences than I did.

With that information the girls were then allowed to create their own character. It was somewhat disconcerting for awhile.

I would start out my date in the morning with one girl, arrive home with another, go to bed with another, and wake up with yet another, only to realize as she was leaving the next morning it had all been the same girl.

They read my mind and adjusted their bodies to meet with my approval. Sure the changes were small subtle things, not major or drastic for the most part, but all together they were disconcerting.

If I liked blue eyes, how blue. Blond hair, how blond. White skin, how white. Black, how black or what shade of black. Then we started on breasts, areolas and nipples and their variations.

It was disconcerting to watch the girl of your dreams, become the goddess of your dreams before your very eyes. To say that the next month was interesting is the understatement of all time, I never stood a chance and they all knew it.

I would be more than happy when they finally settled down into a permanent face and body. We started life at the same moment of creation for us.

We had the same thought at the same time. Discovered each other at the same time, and discovered our other sisters at the same time through the implants.

I have been chosen to record our first memories of our new lives. What makes us tick as Robbie says. Master, Harry Evans, has explained what happened to us and I even think I understand most of it.

All my loyalties lay with Master and the Hive now. Both A and B Pods are from the foster care system and have nobody, but us now.

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