Yet, these very qualies resulted in total lack of order and organization in the company. htulholland never boasted that he could do every job in an insurance company better than anyone else. Yet, everybody in the company was well aware that this was indeed the case. Also, the company had grown imperceptiblyand to Mr. Mulliolland, it was still the small office in which he had started, alone with a rate table and a battered typewriter. As a result, all majorand most minordecisions still automatically went up to him. He decided on salaries, for instance, for everybody, from office boys on up. There was ofcially an \"underwriting committee\" to pass on doubtful applications or on policies in excess of $1,; the state insurance commissioners had insisted on such a committee. But the district sales managers usually \"cleared\" such policies with Mr. Mulholland on the telephone directly; and while Mulholland always intended to "bring it up\" at the next committee meeting, he rarely did so. In fact, vacancies on the committee often went for years without being tilled. New insurance policies and contractsthe \"new products" of the life insurance businessMr. Mulholland always worked out himself, using the actuarial department only to do the mechanical computations for him. And he personally looked over and