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Is the soft market nearing its end as price decreases begin to show signs of moderation and the country’s financial turmoil starts to take a toll on insurance company earnings? Industry officials are split as they read their tea leaves, crystal balls and Tarot cards.

“For the last several months, rate decreases have continued. However, the decreases are moderating,” noted Richard Kerr, chief executive officer of MarketScout, the Dallas-based electronic insurance exchange.

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