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With apologies to Punxsutawney Phil, the economy has been seeing its shadow for well over two years now. It’s also been a long winter for the insurance industry, and it’s about time we had some springtime weather around here. The economy is beginning a fragile recovery, tempered by factors such as housing and automobile sales, which continue to fluctuate and even contradict expectations from one month to the next. And unemployment remains uncomfortably high.

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