1992 : an overview of developments towards

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      <subfield code="a">The task of this address is to paint the background scenary with a broad brust. 1992 is all about the consumer. The ultimate beneficiary of the single European liberalisation of cross-frontier trade will be the consumer. Stimulus to competiton  to the benefit of the consumer will be the means  to remove the inefficiencies and restrictive practices in many European industries - in few more so than insurance. The european insurance world is in a state of turmoil</subfield>
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