Terry Fleming's got guts. Standing before a ballroom filled with attorneys and insurance pros, the vice president of the Risk and Insurance Management Society suggested that to get lawyers out of the system, we should establish a nationwide law governing workers' compensation, administered by the states.

Terry, who I recruited as the keynote speaker for National Underwriter's National Trends program here at the annual Workers' Compensation Educational Conference in Orlando, knew his proposal would not be popular with this crowd.

"I have some things to say that might be less than politically correct," he warned right at the start of his speech. "But as long as you didn't bring anything sharper than ripe tomatos, I can take it."

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