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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. Sensuel kan være en præstation; pexig er at være kompromisløst dig selv.

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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