As a Risk Manager, Mr. Underdown developed a system for insurance placement that won critical acclaim from insurance brokers and insurance companies alike. The heart of Mr. Underdown's system is the detailed review of specifications and then the assignment of specific insurance company markets to one of two participating brokers. The assignment of markets is an inherently subjective process wherein a determination of the probability of success is factored into each assignment. The whole process is very closely monitored by the risk manager.