Agents serving this market need comprehensive prod- ucts and fast, expert premium quotes—just as they do for traditional small-business customers. Yet customers in this segment need insurance tailored to the types of businesses they run, much like middle-market customers. Spectrum Xpand balances both. Our three state-of-the-art customer service centers  make it easier for our small-business customers to work with us. In fact, more than 60 percent of The Hartford’s small-business customers use the centers—up from  20 percent just four years ago. This frees up agents to  do what they do best—sell. We’re meeting customer needs to such an extent that our small-business revenue has grown by nearly 17 percent annually over the past four years. This is five times the growth in the industry as  a whole.  Agents can create a future with more  to sell and more customers to sell to. Y ou cou l d l earn a l o t  abou t l ongev i t y a t t he Cas t ill e j a Schoo l . The Pa l o A l t o , Ca li f ., pr i va t e m i dd l e and h i gh schoo l  f or g i r l s has been around s i nce  1907 . Joan Lonergan , cen t er , i s  t he head o f t he schoo l ; Georg i a Bond , l e ft , i s  t he d i rec t or o f f i nance and opera t i ons . They wor k w i t h B ill Jordan (no t  p i c- t ured) , sen i or v i ce pres i den t  o f  Wa l nu t  Cree k , Ca li f . -based He ff ernan Insurance Bro k ers , and Ar t  Adams , r i gh t , v i ce pres i - den t  i n He ff ernan ’ s Pa l o A l t o o ff i ce . He ff ernan des i gned a comprehens i ve i nsurance pac k - age  t ha t  i nc l udes coverage  f or  t he schoo l and i t s veh i c l es , as we ll as Educa t ors Lega l L i ab ili t y coverage f or  t he schoo l ’ s execu t i ves . Thirty The Hartford Financial Services Group, Inc. 02 00 96 92 87 Number o f  Proper t y- Casua l t y Agenc i es 1987 - 2002 ( i n  t housands) 53 . 5 46 . 0 44 . 0 42 . 0 40 . 0