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Looking ahead is what we do with the start of a new year; it provides a sort of jump start to our expectation of new opportunities, milestones, and challenges. Whether we are considering personal resolutions related to our own physical fitness or awaiting spring 2012 graduations from preschool all the way to college commencements, anticipating and planning for this fresh new beginning is ingrained in our nature. This jumpstart (or springboard) approach to this annual event also extends to the property and casualty (P&C) insurance industry, especially affecting those involved in managing the risk of non compliance with state and federal statutes and regulations.

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