United Benefits, United Self-Insured Services, AmeriSys, BeneSys, Cost Management Services and Preferred Governmental Claims Solutions provide their clients with aggressive managed care, cost containment and claims services, all made possible by a thorough understanding of each client's needs. Competition in this line of business remains fierce, but here again, through the determination and professionalism of our people, these business units have posted good gains. The Services Division achieved a total commission and fee growth rate of 14.9%, including an internal growth rate of 11.4% in 2002.