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Editor’s Note: Steven Callahan is a senior consultant and practice director for the Robert E. Nolan Company, a management consulting firm specializing in the insurance, health care, and banking industries.

Uncertainty over election results, the fiscal cliff, and economic direction appear to have been addressed, allowing industry leaders to focus on a return to competitive advantage and sustainable profitability. Even with gradual improvements in the economy, companies remain faced with increasingly costly catastrophe losses and near-term minimal investment returns.


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