Accomplishments UGG LoWered Their cost of risk Insurance premiums remained about the same )Better Coverage Better able to carryout strategic plan Capital Expenditures >Lowered Cost of Debt Capital a Better Understanding of their risks20 Accomplishments ◼ UGG Lowered Their Cost of Risk Insurance Premiums remained about the same Better Coverage ◼ Better able to carryout strategic plan Capital Expenditures Lowered Cost of Debt Capital ◼ Better Understanding of their risks