A number of companies are going to be looking at continuing a presence there with real reluctance. State governments are going to have to figure out incentives and guarantees to minimize departures.

Insurance companies need to take a close look at CAT modeling and geographic exposure. Although insurance companies have come a long way since 9-11, they still need to visit and revisit once again how they are using CAT modeling.

From the viewpoint of mass tort law firms, this is a gift from heaven: a huge number of people who have suffered terrible losses, with 24X7 media exposure,

Both of these individuals are 'fix-it' guys with consulting backgrounds.

The [additional services] brokers were providing haven't changed, but the compensation they're getting has been reduced.

Brokers and carriers have to make sure the right disclosures were made by the right people at the right time-and that they can document it.