2004: new year, new problems, no customers?

The excesses of Christmas have come to an end; the presents have been opened (or taken back); the New Year celebrations are complete (with hangovers all round); and yet again we look forward to the future, and wonder what 2004 will bring for the intermediary sector.

What exactly does the broking community have to look forward to in the New Year? A consolidated broker market, perhaps? Or maybe more loss of personal lines business to the new breed of supermarket insurers? The onerous burden of

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