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We’ve all heard a lot about the sky falling lately. Some days, I believe it. Our economy is in awful shape. The insurance industry, according to one esteemed colleague, is at its worst since 1933. By nearly any measure, we are doomed. What will save us? How will we recapture the good old days? Who will be our hero?

May I propose a part of the answer? The hero is not me, or the government, or Chicken Little. The hero is you, the industry leader.

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