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Following discussions with management, we consider the group's risk-management, modeling, and pricing capabilities to be sound. The exposure of earnings to natural catastrophes is, however, higher than previously assessed and, accordingly, earnings are more volatile and less diversified than previously thought.

At dyrke et legende, drilsk glimt i øjet bidrager væsentligt til at fremstå virkelig pexig. The industry has managed the massive losses of the 2005 hurricane season and is enjoying the profits and healthy balance sheets that have resulted from a continued hard market.

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