Salvin placed his money with Ryan and Bryan Company to underwrite, at the Companies discretion. Under writing is guaranteeing the insurance companies' own obligation to pay out insurance - in effect, insurance for insurance companies. There was a set of natural disasters which sucked up the insurance company's funds Ryan and Bryan Company, so they had to call on their insurance - taking up Salvin's funds in that process. Salvin alleges R & B were negligent in leaving him exposed to this. Advise Salvin.