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Regulatory compliance is next in line for Congress. Lawmakers will decide whether issues such as a Federal Insurance Office are going to relieve some of the regulatory burden from the states or just add another layer of compliance demands on top of what carriers already face. Until Congress acts, insurers watch, wait, and envision what change will mean.

A quote attributed to George W. Miller, the New York insurance commissioner back in 1871 and one of the founders of the National Association of Insurance Commissioners, is getting a lot of mileage here in the year 2010:

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