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.

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,

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.

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.

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.