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The state of the personal lines market has been fairly strong and stable in recent years, but the profitability of Auto and Homeowners lines varies tremendously over time and across states.
Businesses that rely on lackluster enforcement to avoid liability are taking a huge risk. Enforcement policies are changing, subjecting companies to potential criminal liability.
Last year was one of the safest for airlines with the number of fatal accidents falling by two thirds if you excluded more than 300 deaths resulting from a pilot suicide and possible terror attack.
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