With 2012's first quarter in the books, executives and industry observers have noted that property and casualty pricing remains on the upswing.

There are still varying opinions about whether the increases are uniform across all lines, and whether these increases are enough to declare that a hard market has arrived. But more appear willing to lean in that direction now compared to comments made after fourth-quarter results were released.  

Following are observations from industry leaders made during conference calls and in recent analyses in response to 2012 first-quarter results.

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