As we entered 2016, everyone had hopes that it would be a better year than 2015.

There was the anticipation of the 2016 Olympics in Rio de Janeiro, although there were concerns about the Olympic venue and other issues challenging the Olympics, some of which ended up being non-events.

Now at the end of 2016, we can look back and see it has been a year of turmoil, with many tragic and troubling events. Some occurred in the United States, and others around the world. Since we are more globally connected than ever, these events affect our daily lives and will have an affect on the future, as well as the insurance industry, global economies and businesses.

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