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During this month of thanks and giving, one would guess that more insurance professionals are feeling like the turkey rather than the carver. After all, the value of insurers’ investments — because of exposure to troubled financial firms — has been plucked clean like the feathers of a certain celebratory bird, and third-quarter profits have been tossed out more quickly than a handful of giblets. What seemed like a feast a few short months ago has turned into a modest celebration in which success is measured by avoiding a government bailout or liquidity crisis.

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