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Last month, our resident image-breaker addressed the vulnerability of the national infrastructure to both lack of maintenance and threats of terrorism. Our experts say that terrorist attacks are not a question of whether, but one of when. What, therefore, should the insurance industry and the American public do to prepare?

Those of us who sit in ivory towers (mine is an upstairs former bedroom that gets hot as blazes on a sunny summer afternoon) thinking up problems and solutions need to address the terrorism issues that are anticipated to create national chaos on the scale of Sept. 11, 2001 — or maybe worse. Last month we looked at potential targets. This month we will address potential ways to address the threat.

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