Over the last three months, this columnist has addressed threats to the infrastructure from terrorism and other hazards, as well as the fact that our nation, and its insurance industry, is extremely vulnerable to both internal and external terrorism and governmental mishandling of our assets, including threats from Mother Nature. There is not much an individual adjuster can do except to prepare for whatever calamities may result.

Two areas we explored involved two very different types of liquids. One was oil, the bulk of which now comes from the Middle East, making the United States vulnerable to international terrorism. Our only recourse, other than to maintain our current gas-guzzling economic fantasy, is to develop alternative fuels, energy, and transportation.

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