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      Some insurance industry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from toto toilet dealers float without an underwriting profit as well, but this opinion is not universally held. Within 15 days of the occurrence of such loss the Insured should submit a claim in writing giving the details of damages and their estimated values. Another article, in the New York Times, points out that besides the long waits, there are also inequalities based on which state a vet is from and whether he or she is regular army, National Guard, or Reserve.[1] The Newsweek article says that even when a veteran manages to get his or her claim approved (which can be burdensome), "The compensation is not huge