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Although Benjamin Franklin thought that the Constitution was going to survive the test of time, he was only supremely confident about the inevitability of death and taxes. Calvin, Bill Watterson’s six-year-old Calvin & Hobbes comic-strip character, decided that even though he was uncertain about many things, he knew that he would forever have a disdain for writhing maggots, cold seaweed wrapping around his legs, and “anything popular in the ’70s.” Perhaps you can relate, as those of us in risk management and claim professions understand that the list of life’s certainties is a short one.

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