Introduction

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      <subfield code="a">Introduction</subfield>
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      <subfield code="a">Insolvency is the buzz-word and not just at the Fifth International Reinsurance Congress, taking place in Bermuda. Even if rates are starting to harden, this must surely be the worst year in history for reinsurers. It is not even possible to qualify that as during peacetime, since at least the first few months saw underwriting disrupted by the Gulf War and its economic aftermath. Natural disasters too continue to occur from Luzon to Los Angeles. </subfield>
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