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BY SOME accounts, the property-casualty insurance industry has just closed the books on one of its most successful years in the last 50. Record profits, fueled by a generally quiet hurricane season and overall national economic growth, have enabled many insurers to post superlative results. Underwriting success leads to more competition; if companies can write business profitably, they will try to write more of it. Underwriting success also draws additional capital into the market, increasing competition even more.

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