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They’re frightened, they’re fuming and they’re sleepless. They’re risk managers, and they’re no different than the rest of us in this era of economic collapse, except that they bear the pressures of identifying, assessing and managing the ominous array of risks confronting their organizations. Two years ago they were a happy lot, smiling as they delivered budgets well under expectations, the bright consequence of a soft-as-meringue property and casualty insurance market. Prices had swooned as capital-rich insurers competed fiercely for their business, dropping premiums in many cases by percentages in the low double digits.

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