Reportage: And a happy new year?

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As 2011 draws to a close there is a distinctly gloomy feeling pervading the insurance industry. Although this year has seen insurance gain widespread national media attention, it has not always been for the right reasons. Furthermore, market conditions being what they were, many brokers faced a tough uphill struggle just to keep operating. Oxygen Holdings for one did not make it. And, in the main, it seems that most people will not be sorry to see the back of what some have described as an utter