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“The market has no choice but to take account of where we truly are. It will harden by fourth-quarter 2009.”

When Tap Johnson III, president of TAPCO Underwriters in Burlington, N.C., shared that prediction with NUs E&S/ Specialty Lines Extra, his view of the timing of the return to hard market conditions was typical of others delivered by more than a dozen members of the National Association of Professional Surplus Lines Offices, Ltd.

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