ENHANCE FINANCIAL SERVICES GROUP INC
SC 13G, EX-99.A4, 2000-11-14
INSURANCE CARRIERS, NEC
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                                                                       EXHIBIT 1

                             JOINT FILING AGREEMENT

         In accordance with Rule 13d-1 (f) under the Securities  Exchange Act of
1934,  as amended,  the  undersigned  hereby  agree to the joint filing with all
other Reporting Entities (as such term is defined in the Schedule 13G) on behalf
of each of them of a statement on Schedule 13G (including amendments thereto)

with respect to the Common Stock, $.01 par value per share, of Enhance Financial
Services,  and that this  Agreement  be  included  as an  Exhibit  to such joint
filing.  This  Agreement  may be executed in any number of  counterparts  all of
which taken together shall constitute one and the same instrument.

         IN WITNESS WHEREOF,  the undersigned hereby execute this Agreement this
14th day of November, 2000.

                                        EQSF ADVISERS, INC.

                                        BY:/S/ MARTIN J. WHITMAN
                                        ------------------------
                                        Martin J. Whitman
                                        Chairman, President and
                                        Chief Executive Officer

                                        M. J. WHITMAN ADVISERS, INC.

                                        BY:/S/  MARTIN J. WHITMAN
                                        ----------------------
                                        Martin J. Whitman
                                        Chairman and Chief Executive Officer

                                        /S/MARTIN J. WHITMAN
                                        ---------------------------
                                        Martin J. Whitman



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