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Whether they realize it or not, property-casualty insurers are experiencing the closest thing to a Golden Age that the first half of the 21st century is likely to offer. Amid a severe credit crunch, housing collapse and threat of recession, p-c insurers find themselves in an era of relative prosperity. As always, there are challenges ahead, but insurers in 2008 are more in charge of their own destiny than at any time in a generation.

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