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I believe that the insurance industry is at a critical crossroads right now we've got the influx of new interesting technologies and data volume is increasing every 20 months incredible pace in addition the population is changing where we get our information and the speed at which we react is of a different nature and thirdly the world is changing and more connected than ever before, and so we really are at a crossroads as we're coming to how we look at insurance how we buy insurance and how the economy responds to the insurance opportunities you
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