"We want a little bit of litigation out there, don't we? We want a little bit of risk. We need risk or we're all out of business. … We'll see what happens but tort reform has worked. I just hope for all of our sakes it hasn't worked too well." So says Gary Schumann, an insurance defense lawyer speaking at the annual meeting of the Texas Surplus Lines Association in Austin a few weeks ago. It brings a smile to my face. Hat tip to Stephanie Mencimer and her wonderful blog, The Tortellini