Washington

Despite deep divisions within its own ranks and unitedopposition from Republicans, Democrats appeared to be moving closerand closer at year's-end to landmark legislation reforming thenation's health care system, with vast implications for insurancesellers and consumers.

The outcome is potentially huge for property and casualtyagents, as a growing number depend on the sale of group healthcoverage–for which the market is never soft–for an increasing shareof both their top-line revenue and bottom-line profits.

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