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The winding down mode has started. Local malls are already decked out for the holidays, and the retail industry is awaiting the much anticipated and beloved “Black Friday.” In the insurance industry, those essentially year-long legislative sessions, while already having delivered gifts wrapped up as “acts,” still hold potential holiday surprises. A brief look back at some enacted bills in Midwestern states with lengthy sessions—Illinois, Michigan, and Wisconsin—provides us with some key changes, as well as anticipation of what might be in store in the coming months.  

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