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When I wrote the September 2008 Iconoclast column last year, I made some 2009 predictions. I foretold that the fraud reduction savings in the insurance industry might cause the dollar amount of profit — but not its percentage — to decrease. Wall Street speculators might then sell their insurance stock. Even though I could have never imagined the debacle that actually occurred, as a professional observer of the insurance industry, I should have. Therefore I come, hat in hand, again surveying the dregs left in an empty coffee cup, to see what lies ahead for our property and casualty claim-adjusting industry.

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