Is it time to ignore the prophets of rate doom?

Talking rates down - a necessary aspect of preparing for the worst or self-fulfiling prophecy?

Kevin: The point I always make about talking rates up is that all of us on the insurance side have the choice whether to write a risk or not.

So if rates are reducing it's because that's what we want to do and it is within our control. Every time a broker comes to us with a quotation enquiry we have the choice whether we meet what that broker is asking for or not.

John: One of the things related to

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