From a catastrophe standpoint, the beginning of 2010 must havehad more than a few U.S. insurers dreading the rest of the year asearthquakes and a serious winter storm in Europe brought calamityto far-off points of the world.

However, the dire warnings of a fearsomely active hurricaneseason pretty much bypassed the United States, instead wreakinghavoc on less developed nations where the insurance penetration waspractically nonexistent.

Early January experienced two notable earthquake incidents.

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