With politics, laws, economics, and elections currently uppermost in everyone's minds, we asked a cast of Florida insurance experts to opine on legislative and regulatory "hot topics" of their choosing. This special "Legislative Issues" edition of Florida Underwriter carries extended cover stories on significant local, state, and national laws and initiatives directed at the insurance industry or its products.

A recent report in Best's Review projected that the 50 U.S. states, Puerto Rico, and the District of Columbia combined will spend more than $1.54 billion in 2009 on the regulation of insurance. The spending varies widely throughout the nation, ranging from a projected high of $30 per resident in Delaware to a low of $2 per resident in 11 other states. Florida came in relatively low, at $6 per capita, sharing that projected dollar amount with such diverse company as California, Nebraska, and North Dakota.

But with a nod to the Florida refrain, "It's not the heat, it's the humidity," industry pundits might say of the report, "It's not the money, it's the regulations."

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