Fall is my favorite time of year, mostly because of the end-of-October extravaganza of Halloween. What's not to like? Horror movies, bags of candy and all sorts of costumes rule the day.
When it comes to costumes, though, it's sometimes hard to be creative, whether you're outfitting your kids or yourself. The preteen set usually comes equipped with the flavor of the moment cartoon character, while the older ones settle for “Saw” masks (for males) and sexy-whatever for girls. (You can fill in the blanks here: Sexy nurse. Sexy devil. Sexy angel. Sexy underwriter. Sexy claims adjuster.) All too often, on Halloween as in real life, it's easier to just cut eyeholes in a sheet and call it a ghost than it is to come up with something that's really original. But if you want to stand out, the canned Power Ranger costumers and sexy-whatevers just won't do it.
While this month's issue won't show you the most original Halloween costumes, we do take a look at some original ways you can hone your creative, competitive edge to get attention and business. Our lead story examines how captives, a tried-and-true insurance alternative for big businesses in a hard market, are getting a new lease on life as a creative, cost-saving way to insure even small to midsized businesses in today's crazy economy.
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