With 2012's first quarter in the books, executives and industryobservers have noted that property and casualty pricing remains onthe upswing.

There are still varying opinions about whether the increases areuniform across all lines, and whether these increases are enough todeclare that a hard market has arrived. But more appear willing tolean in that direction now compared to comments made afterfourth-quarter results were released.

Following are observations from industry leaders made duringconference calls and in recent analyses in response to 2012first-quarter results.

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