While recent comments by Federal Reserve Chairman Ben Bernankesuggest that the nearly two-year-long recession may be nearing anend, the economic downturn is likely to remain a force behindadditional and potentially uninsured risks for a long time.

Even if a company survives the recession relatively unscathedand does not have to materially alter its operations, it stillfaces two common sources uninsured risks.

o First, key business partners might be affected by therecession, which in turn may impact their ability to fulfillcontracts.

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