Intermediary Service Award and the first-ever Life Insurance Service Award. The triple win reflected the overall excellence of The Hartford’s service, a natural complement to the company’s quality products. DAL- BAR also recognized The Hartford’s mutual funds as the industry leader in several categories, including invest- ment management.  In managing its product portfolio, The Hartford fol- lows its own advice: think ahead and diversify. The com- pany’s earnings base derives from a variety of businesses. Diversification is a key element in managing risk and ensuring profitability—a time-tested philosophy that held especially true in 2001, as the company’s other businesses evolved to anticipate changing market demands and to offer protection from new risks.  The property-casualty Business Insurance group, for example, extended its coverage to include common risks associated with e-commerce. Hartford Financial Products’ (HFP) coverage continued to meet emerging risks in an extremely volatile business environment.  The Hartford helped customers manage risk by developing a new category of commercial coverage called CyberFlex. TM This targets the previously unmet needs of small and mid-sized businesses that are inte- grating the Internet and other communications tools into their regular operations. A 2001 survey by The Hartford revealed that 80 percent of small and mid-sized businesses weren’t sure if their current insurance policies covered specific—and increasingly common—risks such as e-mail viruses, Web site business interruption and online copyright infringement. CyberFlex coverage protects middle-mar- ket and small-business policyholders against the risk of those potentially debilitating conditions. CyberFlex is part of a broad array of industry- specific coverages in The Hartford’s SPECTRUM ® busi- ness-owner’s policy, including protection against employment practices liability, equipment breakdown and business interruption. As the economic environ- ment changes rapidly, The Hartford thinks ahead by providing those flexible coverages. And the company’s  18