Tony Lancaster.

The insurance industry is undoubtedly entering one of the most
uncertain periods in its history with the advent of EMU and the run-up to
the year 2000. There are threats everywhere you look from the underwriting
risks of Y2K to the uncertain future of currency and stock markets
worldwide, and from technology itself.

One has to question whether our industry is in good shape to face the
future and I would suggest that it is not.

In the last soft market, insurers lost a large proportion of their

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