Last week, I reassessed my fortune-telling ability in pickingthe Top-10 stories for 2009. (Turns out I got four absolutely rightand two half-right, but was dead wrong on four others.) Now it'stime to peer into my crystal ball once again to forecast what mightbe in store for 2010.

Check out my picks and let me know what you think:

1: AIG On The Road To Recovery! Not only willAIG pay back the bulk of the money owed to taxpayers, butChartis—its rebranded p&c operation—will resolve any lingeringquestions over reserve adequacy and reemerge as a force to bereckoned with in a very competitive market.

2: Benmosche Stands By AIG! Despite buttingheads with federal supervisors over executive compensation, CEORobert Benmosche will stick it out for all of 2010, bolsteringinvestor and policyholder confidence.

3: Greenberg Makes Triumphant Return! Yes,folks, it's a hat trick for AIG, as its former iconic leader,Maurice “Hank” Greenberg–who buried the hatchet with his oldcompany just before Thanksgiving—comes back in a formal advisoryrole.

4: Get Ready For Obamacare! By hook or bycrook, President Barack Obama will sign a health care reform billbefore the cherry blossoms appear in Washington–though without apublic option. Insurers will lament its passage as their Waterloo,but thanks to mandated purchases, the bill will eventually be abonanza for the industry.

5: Insurers Come Through Regulatory ReformUnscathed! Congress will approve a vast financial servicesregulatory reform bill by July 4, but the Federal Insurance Officeit establishes will be virtually powerless, and the industry'ssystemic risk responsibilities very limited.

6: Hardening Market Nowhere In Sight! Given thesluggish economic recovery and falling reinsurance costs, p&cpolicy pricing will remain extremely soft throughout 2010—absent amajor disaster.

7: Much Ado About Nothing! Despite all thehoopla over Chinese drywall claims and the threat of a Swine Flupandemic, neither of these threats will have a major impact oninsurer bottom lines.

8: Democrats Lose Ground In Congress! Withunemployment remaining high and the war in Afghanistan dragging on,the Democrats will lose seats in both the House and Senate, makingany significant change in climate policy impossible to pass.

9: Sink Takes Governor's Race In Florida! TheSunshine State—better known for its stormy weather—places at thehelm Chief Financial Officer Alex Sink, perhaps the most popularDemocrat in the country among insurers. Ms. Sink, who overseesFlorida's insurance department, is a former business leader whoappreciates the industry's value and needs.

10: Dinallo Elected N.Y. Attorney General! Thestate's former insurance superintendent shakes off his associationwith political pariah Eliot Spitzer, as well as mudslinging byopponents about his handling of the AIG crisis, to win the AG spotvacated by Andrew Cuomo–who takes over as governor. Mr. Dinallo isone Democrat seen as fair towards the industry.

Did I miss something? If you have a prediction of your own, feelfree to post it right here!