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A few Claims readers and contributors I know subscribe to an insurance/risk management Internet chat-line called Riskmail. I was out of town during most of January but, when I got back, there were a bunch of entries discussing a nightclub fire in West Warwick, R.I. I had read about it in the pages of my favorite loss-related monthly magazine, Firehouse (Cygnus Business Media), back in April 2003. On Feb. 20 of that year, a fire started by pyrotechnics at The Station resulted in 99 deaths and 190 injuries. The fireworks ignited foam insulation intended to deaden noise. Noise was not all that it deadened.

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