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Wholesalers faced testing times in 2003 with hard markets and the approach of Financial Services Authority (FSA) regulation to contend with.

Certainly the high-profile collapse of Tribune last December did nothing for the image of the wholesaling sector in general, leaving a bad taste in the mouth of brokers and policyholders. But as we emerge bleary-eyed from the January gloom and the Institute of Insurance Brokers (IIB) embarks upon its status report on UK wholesalers, how is the market

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