JOINT FILING AGREEMENT

                                                                     EXHIBIT 7.1
                                                                     -----------

                           JOINT FILING AGREEMENT

      The undersigned acknowledge and agree that the foregoing Amendment to
Schedule 13D is filed on behalf of each of the undersigned and that all
subsequent amendments to this Statement on Schedule 13D may be filed on behalf
of each of the undersigned without the necessity of filing additional joint
filing agreements.

Dated: October 25, 2006

                              CAPITAL Z FINANCIAL SERVICES FUND II, L.P.
                              By:     Capital Z Partners, L.P., its
                                      General Partner
                              By:     Capital Z Partners, Ltd., its
                                      General Partner

                              By:     /s/ Xxxxx Xxxxxx
                                 ------------------------------------------
                                  Name: Xxxxx Xxxxxx
                                  Title: General Counsel


                              CAPITAL Z FINANCIAL SERVICES PRIVATE FUND II, L.P.
                              By:     Capital Z Partners, L.P., its
                                      General Partner
                              By:     Capital Z Partners, Ltd., its
                                      General Partner

                              By:     /s/ Xxxxx Xxxxxx
                                 ------------------------------------------
                                  Name: Xxxxx Xxxxxx
                                  Title: General Counsel


                              CAPITAL Z PARTNERS, L.P.
                              By:     Capital Z Partners, Ltd., its
                                      General Partner

                              By:     /s/ Xxxxx Xxxxxx
                                 ------------------------------------------
                                  Name: Xxxxx Xxxxxx
                                  Title: General Counsel


                              CAPITAL Z PARTNERS, LTD.

                              By:     /s/ Xxxxx Xxxxxx
                                 ------------------------------------------
                                  Name: Xxxxx Xxxxxx
                                  Title: General Counsel


                              CAPITAL Z MANAGEMENT, LLC

                              By:     /s/ Xxxxx Xxxxxx
                                 ------------------------------------------
                                  Name: Xxxxx Xxxxxx
                                  Title: General Counsel