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It was the only light moment in an otherwise grim panel discussion about the difficult year ahead for carriers and their producers. During the Q&A, an audience member complained that insurers had no right to be “euphoric” about achieving a 14 percent rate of return last year, even if that was far better than the single-digit results normally posted, because it still trailed broader industry benchmarks. “Do we really look euphoric to you?” deadpanned Ramani Ayer, chairman and CEO of The Hartford.

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