Risk perspectives - Happy new Groundhog Day?

As we approach 2003, I can't help feeling like Bill Murray inGroundhog Day - didn't we start last year like this?

Risk managers (RMs) are still searching for solutions to new risks;financiers are still reluctant to provide underwriting funds, theinsurance market is still short on cover and high on premium; the stockmarket is still low; and the Government is still tackling terror on aninternational front.

Can we really have gone through a year with so little progress? And if so,why?

These concerns

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