AGREEMENT

Exhibit 3 to Schedule 13D

AGREEMENT

The undersigned persons hereby agree that reports on Schedule 13D, and any amendments thereto, may be filed in a single statement on behalf of all such persons, and further, each such person designates Xxxx X. Hamburg as its agent and attorney-in-fact for the purpose of executing any and all such reports required to be made by it with the Securities and Exchange Commission.

Dated:    October 11, 0000				XXXXXXXXX XXXXXXXX INC.
				By:		/s/    XXXX X. HAMBURG
						Xxxx X. Hamburg Vice President and Chief Financial Officer

OBH, INC.
By:		/s/    XXXX X. HAMBURG
		Xxxx X. Hamburg Vice President

BH COLUMBIA INC.
By:		/s/    XXXX X. HAMBURG
		Xxxx X. Hamburg President

COLUMBIA INSURANCE COMPANY
By:		/s/    XXXX X. HAMBURG
		Xxxx X. Hamburg Treasurer

BH FINANCE LLC
By:		/s/    XXXX X. HAMBURG
		Xxxx X. Hamburg President

NATIONAL INDEMNITY COMPANY
By:		/s/    XXXX X. HAMBURG
		Xxxx X. Hamburg Treasurer

NATIONAL FIRE & MARINE INSURANCE COMPANY
By:		/s/    XXXX X. HAMBURG
		Xxxx X. Hamburg Treasurer

XXXXXX X. XXXXXXX

/s/    XXXXXX X. XXXXXXX