Future perfect?

Many of the more traditional insurers have not responded well to the
rapidly changing environment - structure, systems, practices and culture
have often been more of a hindrance to the management of change rather
than a facilitator. If the forecast pace of change continues, the
traditional insurer will become a museum piece, unless plans are put in
place to cope with the changes, which will extend well into the next

Specifically, personal lines insurance is being challenged by shifting

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