It's officially spring. The swallows have returned to Capistrano, the independent insurance agents have lobbied Capitol Hill and here in Chicago, we're hoping that baseball's opening day doesn't bring snowfall.

Spring means new beginnings, and this month's issue focuses on several aspects of rebirth and opportunity for insurance agents. Our cover story takes a closer look at the alternative energy market–specifically low-carbon fuel and power sources–and what agents and brokers must know to get up to speed in this growing market.

New opportunities–and new technologies–bring their own unique sets of new risks, and one of the biggest threats to businesses today is cyber crime arising from sharing data over the Internet. Today's cyber criminals are less like prank-playing hackers and more like the Mafia in their sophistication and global reach. Wilson Elser attorney Lori Nugent writes about malware, rootkits and spyware, and what agents can do to protect their customers and their own businesses.

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