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With 2010 in the rearview mirror, it is now time to focus on 2011.

The year just ended, like the two tumultuous years before it, proved to be an important one for the future of the property and casualty insurance industry. The tsunami of major economic, political and regulatory events of 2010 will not only fundamentally reshape the industry but also alter its growth and profitability trajectories for years to come.

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