Well what a year 2004 turned out ..

Well what a year 2004 turned out to be ... it really is hard to know where to start as it has been one hell of a roller coaster ride for brokers.

That being said, at the beginning of the year, insurers and brokers proved that when they felt strongly about an issue they could pull together.

The issue in question was the Financial Services Authority's (FSA) plans for the segregation of brokers' accounts and it was good to see that these 'prickly partners' could unite when necessary.

However

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