We made it! This exceedingly volatile, outrageously expensive and mercilessly cruel first decade of the new millennium careened to a chaotic close and somehow, incredibly, the property and casualty insurance industry crossed the finish line more or less intact.

The odds were certainly against us. The decade witnessed two recessions, a pair of wars, terrorist attacks, record catastrophe losses, global warming, record oil prices, the biggest corporate bankruptcies and swindles in global history, a collapse of the banking sector, record federal deficits, a hostile Congress and an angry, anxious public.

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