Please help with the following sentences.
He noted that Jack Ringwalt, who founded National Indemnity in 1941, was not an insurance guy. But with old-fashioned common sense, he beat the pants off the guys in Hartford.

He here refers to Buffet.
Q1: 'was not an insurance guy'
Does it mean that Jack has never been engadged in selling insurance?
Q2: 'with old-fashioned common sense'
Does it mean that as the old sees?
Q3: Hartford
Harford is a city, right? why he is much better than the guys in Hartford?

Question

Please help with the following sentences.
He noted that Jack Ringwalt, who founded National Indemnity in 1941, was not an insurance guy. But with old-fashioned common sense, he beat the pants off the guys in Hartford.

He here refers to Buffet.
Q1: 'was not an insurance guy'
Does it mean that Jack has never been engadged in selling insurance?
Q2: 'with old-fashioned common sense' 
Does it mean that as the old sees?
Q3: Hartford
Harford is a city, right? why he is much better than the guys in Hartford?

Answer

A1: He had no prior work experience in that field (of insurance).
A2: It means he has "common sense", something which always can be relied upon.
A3: It probably means Hartford University.

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