Seven Lessons from History As property-casualty operating results for 2002 come into sharper focus, viewing insurer performance from a long-term perspective illuminates the challenges and opportunities facing insurers. Going forward, the success of each insurer and the health of the insurance industry will depend on the extent to which insurers heed the lessons of history.

We are in a hard market, and the hard market is spurring improvement in insurers financial results.

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