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Technology and information system innovations continue their relentless pace—putting cyber risk, data security, privacy, and related issues at the top of the 2012 concerns list for insurers, risk managers, chief information officers, and others who must grapple with the disruption and emerging risks created by each new entry to the technology marketplace. One of the most significant technology arrivals—not brand new, but exploding into an estimated $150 billion market by next year—is now ubiquitously referred to as “the cloud.”

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