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Head’s up, insurers! You’re going to have a ton of explaining to do if another monster hurricane or terrorist attack doesn’t come along to wipe out tens of billions of your premium dollars. The stage was already set this weekend, when The New York Times ran a story, headlined “Earnings For Insurers Soaring,” which reports to the general public what the industry itself has known for quite awhile now–that “insurance companies are expecting record profits in 2006 after predictions of another year of devastating hurricanes have so far come to naught.”

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