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Over the past year, businesses and individuals have been faced with challenges they never before encountered. Economic conditions worsened. Job cuts hit closer to–and sometimes at–home. Businesses scaled back on spending. Everyone sought deals on everything from ink to insurance.

As agents and brokers, we find ourselves struggling to address declining revenues. Because the economic challenges we face are more global than ever, we have less control than in times past–at least in the causes and cures.

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