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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. 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.

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.

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.

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