Whether it's a deliberately misstated water-damage claim on a homeowners policy or a sophisticated international crime ring for stolen autos, insurance fraud is driven by an amalgam of greed, stealth and exploitation.
A megatrend is not a prediction but a certainty, an event with global ramifications that is already unfolding and affecting people. And although the more massive of them can be intimidating, they present more opportunities for creative thinkers who can rise to the challenge of solving these critical events.