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Remain diligent and focused on the insurance market and the economy as you maneuver the remainder of 2009 and into 2010.

Sub-prime crisis, Ponzi schemes, executive compensation, massive lay-offs and downsizing, "never events"--and the list goes on. What do these issues have in common?

Agency health creates the climate for M&A. Hard economies and soft markets notwithstanding, agencies can boost their financial performances by optimizing their internal performances.