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The P&C industry should benefit in the short term from a recovering economy in 2013, but the longer-term outlook depends on how individual carriers respond to a series of more fundamental challenges.

Indeed, regardless of the state of the economy, carriers can expand their business and improve their profitability not just by staying focused on the immediate obstacles they may come across in terms of the business or regulatory climate but also by continually reinventing themselves so they are positioned to thrive over the long haul.

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