I came away from our annual P&C Executive Conference impressed by the feistiness of many of the top players speaking, compared to last year's far more introspective and downbeat lot.

Part of that has to do with the times. Last fall's conference took place when the economy was collapsing, and the poster child for reckless investment decisions was American International Group.

Even though AIG's p&c carriers were walled off from the financial guarantee woes forcing their corporate parent to accept massive bailout funds from Uncle Sam, civilians–those in the general public outside the insurance industry–heard those three magic letters, and thanks to very effective branding, thought immediately of insurance.

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