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Battle Over Legalizing Marijuana Taking Shape in New Jersey

Battle Over Legalizing Marijuana Taking Shape in New Jersey

New Jersey’s Democratic-controlled Legislature took a step toward a showdown with Gov. Chris Christie over legalized marijuana on Monday.

A state Senate panel convened a hearing on legalizing the drug, and a leading Democratic lawmaker says it’s time to bring it out of an underground economy by legalizing, taxing and regulating it.

“I believe our state should lead the way,” Democratic state Sen. Nicholas Scutari said. Scutari, who has authored a bill that would legalize, tax and regulate marijuana for people over 21, sketched a scenario in which the drug comes out of what he called a “black market” and gives way to a billion-dollar industry.

But the issue comes as Christie, who is seeking the GOP nomination for president, has repeatedly underscored his opposition to legalizing marijuana, viewing it as a gateway to the abuse of other drugs. But he is in favor of treating addicted drug users.

“As a former federal prosecutor, I’ve been the most outspoken person in this race on this issue,” Christie said in a recent interview with Laura Ingraham. “I am completely, 100 percent opposed to drug legalization; that’s different than being for treatment.”

Advocates of legalization on Monday cast the issue as a civil rights question that could help ease the disproportionate arrest of black residents. Udi Ofer, the executive director of the American Civil Liberties Union-New Jersey, alluded to video of Christie talking passionately about getting drug addicts help and said there’s a disconnect in the governor’s positions.

“Here we have a governor who talks about how the war on drugs has failed,” Ofer said. “Yet we have seen arrests increase over time. There’s an inconsistency there.”

Christie has been a longtime advocate for drug treatment and certain judicial reforms. Under a program he championed, nonviolent drug-addicted offenders in the state can be sentenced to mandatory participation in drug treatment programs rather than get jail time.

The witnesses at the hearing, where there was an occasional interruption by applause from the public, were mostly supportive of legalization. Republican lawmakers questioned why opponents were not invited to the hearing. Scutari said lawmakers would hear from opponents at a later hearing.

Marijuana has been legalized for all uses in Colorado, Washington, Oregon and Alaska and for medical use in nearly 20 others, including New Jersey.

New Jersey’s medical marijuana law is among the most restrictive, with patients and doctors required to register with the state and each pay a $200 fee.

There are five dispensaries. A sixth is pending.


Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Tornadoes in North Texas Damage Homes Businesses

Tornadoes in North Texas Damage Homes Businesses

Multiple tornadoes hit North Texas late on Nov. 16 and early on Nov. 17, causing property damage.

The National Weather Service says at least five tornadoes touched down in the Pampa, Texas, area Monday night.

Forecasters in Fort Worth says a small tornado touched down before dawn Tuesday in North Texas, in the Keller area. Several homes were damaged but nobody was hurt.

Halliburton officials say no employees were at a chemical facility in the Texas Panhandle when the site was hit by a tornado.

In a statement, Halliburton said its district office near Pampa recently closed and no chemicals or workers were at the location during Monday night’s storm. Halliburton officials are investigating tornado damage to the facility.

The Gray County Sheriff’s Office says two deputies responding to severe weather were exposed to natural gas at the Halliburton complex and were checked by medical personnel at the scene. Both deputies declined to be taken to a hospital.

The sheriff’s office, in a statement, said the deputies were apparently exposed to natural gas before the lines were shut off. No further danger was found at the scene.

Four empty cars on a BNSF Railway freight train derailed near Miami, about 20 miles from Pampa. Nobody was injured. The 87-car train was bound from Kansas to Amarillo.

The Gray County Sheriff’s Office had no reports of anyone hurt in the storms that destroyed at least two homes and damaged several businesses.

The National Weather Service issued a tornado watch until late Tuesday afternoon for areas of Texas including Houston, Huntsville and Beaumont.

Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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St Louis-Area Taxi Drivers Sue Uber over Lost Business

St Louis-Area Taxi Drivers Sue Uber over Lost Business

St. Louis-area taxi drivers suing Uber allege they’ve seen up to a 40 percent dip in business since the ride service began operating in violation of local regulations.

The St. Louis Post-Dispatch reports that drivers Robert Glynn of Laclede Cab, Douglas Uchendi of ABC Cab, and Aaron Vilcek and Jeffrey Hamilton of St. Louis County Cab filed the suit Friday in St. Louis County.

The suit says the plaintiffs’ individual damages are less than $75,000 each. The damages sought in a class-action case would be less than $5 million.

An Uber spokeswoman says the company hasn’t seen the suit and declined to comment.

The latest suit follows two federal lawsuits between Uber and the St. Louis Metropolitan Taxicab Commission over disagreements of driver regulations under state law.


Uber Sues St. Louis Taxi Commission Over Ride-Sharing Ban
Taxi Companies’ Lawsuit Against Uber in Connecticut Dismissed
Taxi Group’s New Lawsuit Targets New York’s Uber Policy
Judge in California Says Uber Must Face Taxi Suit over Safety Claims
Uber Called ‘Criminal Enterprise’ by Philadelphia Cab Owners Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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GEICO 1st Auto Insurer in NY to Offer Digital ID Cards for Policyholders

GEICO 1st Auto Insurer in NY to Offer Digital ID Cards for Policyholders

New York Gov. Andrew M. Cuomo announced that GEICO has become the first insurer in New York State to complete the certification process through the Department of Motor Vehicles to allow customers to begin using electronic ID cards on their smart phones and electronic devices.

GEICO’s new feature became available to New York customers on the company’s mobile app Tuesday.

At the governor’s direction, the New York DMV amended its regulations in April to allow insurers to issue e-cards to their customers. Certification testing by DMV is required for all carriers that wish to participate to ensure the cards meet technical requirements.

“This new program will both improve efficacy and increase convenience for motorists across New York State,” Cuomo said. “This administration is committed to providing a better customer experience for New Yorkers and I thank GEICO for working with us to keep the needs of our drivers a top priority.”

“This service is not only extremely convenient to customers, but also it helps greatly improve efficiency for both insurance companies and DMV,” said DMV Executive Deputy Commissioner Terri Egan. “Motorists will be able to show proof of insurance quickly and easily, and have an insurance card handy at a moment’s notice. I encourage insurance companies across the state to take advantage of this helpful service, so we can all work together to give New Yorkers the excellent customer service that they deserve.”

New Yorkers must have New York State approved auto liability insurance coverage to register a vehicle. DMV’s amended regulations allow motorists to provide proof of auto liability coverage, or insurance ID cards, in a paper or electronic format. Proof of insurance in an electronic format can now be used for motorists acquiring registrations in DMV offices, providing proof of insurance coverage during a traffic stop, and providing proof of insurance coverage to a judge, justice, or magistrate in response to a summons.

Source: New York Gov. Andrew Cuomo’s office


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XL Catlin Expands Yacht Insurance Risk Appetite

XL Catlin Expands Yacht Insurance Risk Appetite

XL Catlin, the official insurance partner of the America’s Cup, has expanded its appetite to insure yachts of all sizes.

According to Richard DeSimone, chief underwriting officer of Marine in XL Catlin’s Americas region, the bringing together of the Catlin and XL Group marine teams has created a larger underwriting and claims team with more capacity to cover a broader range of yachts.

Recently, the America’s Cup Event Authority (ACEA) named XL Catlin the Official Insurance Partner of the 35th America’s Cup, sailing’s biggest yacht race.

Rick Salway, vice president and Recreational Marine manager, the new underwriting and claims capabilities allows XL Catlin to address the insurance needs of yachts valued from $50,000 to $50 million.

Liability limits range from $100,000 to $50 million.

XL Catlin’s yacht coverage, ShipShape and ShipShape Plus, provides a variety of recreational marine coverages, including:

• Liability coverage that extends to paid crew and includes Jones Act, General Maritime Law, and Death on the High Seas Act
• Defense costs outside liability limit
• Medical payments extended to paid crew members
• Broad navigational limits
• Veterinary service for pets

XL Catlin’s yacht insurance coverage is provided by the XL Catlin insurance companies.

The XL Catlin insurance companies offer property, casualty, professional, financial lines and specialty insurance products globally. XL Catlin is the global brand used by XL Group plc’s insurance and reinsurance companies which provide property, casualty, professional and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world.

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RLI Launches Personal Jewelry Insurance Product

RLI Launches Personal Jewelry Insurance Product

RLI Insurance Co. has launched a new, online jewelry insurance product that will be led by Michael Maley, assistant vice president.

RLI will provide customized coverage of fine jewelry, diamond and engagement rings and watches against damage, theft and loss through a new jewelry insurance website. The website offers information on the types of jewelry to insure, coverages, the claims process and more, and allows individuals to obtain a quote, apply for coverage and manage their policy online. Coverage will be available in all 50 states.

According to RLI Insurance Co. President & COO Michael J. Stone, the new product will allow RLI to offer policies to serve the growing personal jewelry insurance market.

Maley has more than 25 years of experience in the commercial and personal jewelry insurance market. He is a graduate of St. Norbert College in De Pere, WI, and has attained the Chartered Property & Casualty Underwriter (CPCU) and Associate in Underwriting (AU) designations.

RLI Corp. is a specialty insurer serving niche property, casualty and surety markets. RLI’s products are offered through its insurance subsidiaries RLI Insurance Company, Mt. Hawley Insurance Company and Contractors Bonding and Insurance Company.


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The Perilous North Atlantic – Europe’s War Time American Lifeline

The Perilous North Atlantic – Europe’s War Time American Lifeline

Crossing the North Atlantic on a modern ocean liner is a pleasant and mostly uneventful experience these days. But gazing into the depths of the presently rather stormy ocean evokes the past, and the deadly conflicts, shipwrecks and other disasters that have taken the lives of countless men, women and children over the years.

In the course of crossing a wide and dangerous ocean, there will be accidents and losses. Lloyd’s was the first to organize syndicates to address those losses, and is still doing so more than 300 years later. The greatest losses, however, in terms of lives, ships and property, has come during war time. The North Atlantic was the scene of ferocious combat in both the 1st and 2nd World Wars.

It was the vital lifeline that permitted the U.S. to supply its allies in Europe with the war materials, and inevitably the soldiers and sailors, to defeat Germany and its allies in both wars. Today, America observes Veteran’s Day. The 11th of November was formerly Armistice Day. It marked the day when a truce ended the 1st World War. The day now honors all those who served in the many wars America has fought throughout the 20th and 21st centuries.

Those wars weren’t supposed to happen. The 1st World War – the “Grand Guerre” or “Great War,” as it’s known in France, was touted as the “war to end wars.” It not only failed to do so, but also paved the way for totalitarian ideologies, particularly Nazism, which made the 2nd World War almost inevitable. Nonetheless, subsequent events should in no way diminish the sacrifices of those who served in that war.

Even though no veterans of the 1st World War are still living, their sacrifices are not forgotten. In the UK, France and other European countries, including Germany and others on opposing sides, the 11th of November remains a day of remembrance. Businesses and schools are closed and commemoration ceremonies are held in all the countries that fought the Great War.

In hindsight that war could have and certainly should have been avoided. In his excellent book on the origins of the 1st World War Christopher Clark describes Europe’s pre-war leaders, who allowed it to happen, as “sleepwalkers.” They knew that a war with modern weapons – heavy artillery, machine guns, poison gas, etc. – could and would kill and maim hundreds of thousands, yet they ignored this fundamental fact. Each concentrated on his country’s own national priorities.

As the war dragged on it became increasingly clear that neither side could achieve a decisive victory. Horribly destructive battles – Verdun, the Somme, the Chemin des Dames – achieved nothing, while the casualties mounted into the millions. And yet the belligerents couldn’t agree to make peace either.

The lives lost in inconclusive battles, the destruction of towns and villages and the privations suffered by civilian populations made it impossible for any government to even broach the subject of a peace without victory and expect to survive.

At this point the contesting powers realized that if America joined one side or the other, a final victory remained possible. The North Atlantic lifeline for transporting supplies was already well established, with convoys protecting merchant ships from German U-Boats as they neared Europe. It became of even more vital importance, however, when America joined the Allied side in 1917.

This could have happened even sooner after a German U-Boat torpedoed and sunk the Cunard liner Lusitania on May 7, 2015. Of the 1275 passengers on board, 785 died, including 128 Americans – Alfred Vanderbilt among them – as well as 413 of 702 crew members.

The American public was outraged, even if it was fairly certain (and has been verified by divers who have examined the wreck) that the Lusitania was carrying a quantity of arms and ammunition, a violation of provisions defining “neutral” shipping.

Despite the furor, America did not go to war on the side of Britain and its allies in 1915. The sinking, however, was a major factor in foreclosing the possibility that the U.S. might support Germany, and, despite President Wilson’s 1916 re-election slogan – “He kept us out of war,” public sentiment continued to move towards America participation on the “Allied” side.

In the 18 months that the U.S. actively participated in the war, more than 50,000 of its soldiers died in battle; more than 60,000 thousand died from accidents and disease and more than 200,000 were wounded – a very heavy cost – but one that changed the world.

In Europe an entire generation was simply no more. 1.397 million French soldiers were dead; another 4.266 million were wounded – 76.3 percent of all those engaged. German casualties were even higher, as they fought the war on two fronts. The British had proportionately fewer casualties, but were equally decimated.

The war shattered the economies of every country in Europe, both winners and losers. It engendered another 80 years of conflict. Commerce was totally disrupted across the world. Cunard had a fleet of 25 in 1914 of which 13, including the Lusitania, were lost; seven additional vessels, acquired during the war, were also lost – the majority in the North Atlantic.

The war ended European hegemony over large portions of the world, as old empires – German, Austro-Hungarian, Ottoman – simply disappeared. The remaining colonial empires – Britain, France, The Netherlands – began their slow, but inexorable decline, which was sealed by the 2nd World War. After the war ended countries in Asia, Africa, the Middle East and elsewhere struck off the chains of colonialism and became sovereign nations.

Only the United States and Japan can be described as having gained something from the 1st World War, as their participation on the Allied side marks their ascendance to the top rank of the world’s powers. After the war, however, the U.S., despite its economic strength and foremost position among the nations of the world, largely withdrew from world affairs.

The U.S. had long rejected the idea of maintaining a large military force in peacetime. It had entered the war somewhat reluctantly, and demobilized returning war veterans as quickly as possible. America again remained neutral at the beginning of the 2nd Word War, entering the conflict only after Japan’s attack on Pearl Harbor.

There would be demobilization after the 2nd World War as well, but perceived threats from “Communist” nations – the Soviet Union and China – led to the realization that military force needed to be built and maintained. That necessity was enforced by the Korean War. Since the 1950’s the U.S. has built and possessed arguably the strongest armed forces the world has seen since the days of the Roman Empire.

Would the U.S. have become a different country? Would the world be different if there had been no 1st World War? Could the second, and even more destructive conflict, have been averted? Could all those who died have made a better world? No one will ever know.

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Law Firm Launches Investigation into Workers’ Comp Services Provider BBSI

Law Firm Launches Investigation into Workers’ Comp Services Provider BBSI

A law firm has launched a financial investigation into Barrett Business Services Inc. (NASDAQ: BBSI), a giant professional employer organization that deals with many workers’ compensation carriers.

The investigation focuses on whether the Vancouver, Wash.-based company and its officers violated securities laws by issuing misleading information to investors, according to a statement from Goldberg Law PC.

The concern is over an $88 million charge BBSI took so the company could comply with a change made last year by California’s sweeping workers’ comp reform law, Senate Bill 863.

According to Heather Gould, BBSI’s executive director of strategic alignment, the ongoing investigation is specific to one quarter only, and the company has not been contacted by any government regulators.

“The scope of this investigation is specific to Q2 of 2014 and all other financials for 2014 hold,” Gould said.

investigateShe said there are no workers’ comp claims in danger of going unpaid. Before 2014 BBSI self-insured for workers’ comp, and following the passage of SB 863 the company was forced to migrate its California policies to the ACE Group.

“In California 2014 and prior claims are in run-off mode and that has been completely funded by the state,” Gould said.

She said any claims for 2014 would be paid for by a third-party issued $88 million surety bond, and that claims starting Jan. 1 will be funded through a trust with ACE. The balance in the trust account with ACE was $143.3 million and $50.1 million at Sept. 30, 2015 and Dec. 31, 2014 respectively, according to Gould.

She said the company has been in “constant contact” with the Office of Self Insurance Plans to keep lines of communication open.

Goldberg Law investigators want to know whether BBSI violated sections 10(b) and 20(a) of the Securities Exchange Act of 1934, and the investigation will focus on the company’s Nov. 9 announcement that it had received a letter from its independent registered public accounting firm.

The firm, Moss Adams LLP, issued a notification last week that it completed interim review of Barrett’s unaudited interim consolidated financial statements as of June 30, 2014 and for the periods then ended, which can no longer be relied upon, according to the law firm.

BBSI Responded to the letter from the auditor on Monday. In the letter Thomas J. Carley, chairman of BBSI’s audit committee, issued a statement clarifying the investigation.

“The Moss Adams letter relates to the quarter ended June 30, 2014, which was the quarter immediately preceding the company’s decision to record an $80 million charge to strengthen its workers’ compensation reserves in the 2014 third quarter,” Carley’s statement reads. “At the July 28, 2014 audit committee meeting, the audit committee concluded that sufficiently reliable actuarial data was not available to support a higher reserve for the quarter ended June 30, 2014.”

In his statement Carley said the company is taking the allegations seriously.

“The audit committee believes the concerns raised by Moss Adams involve complex technical issues under generally accepted auditing standards and Section 10A of the Securities Exchange Act of 1934 and have no bearing on BBSI’s 2014 annual financial statements,” he added.

BBSI in the statement said the company intends to file its quarterly report on Form 10-Q for the quarter ended Sept. 30 with the Securities and Exchange Commission “as soon as practicable after the audit committee’s independent investigation has been completed, and after Moss Adams has had an opportunity to review and assess the findings of the investigation and to finalize its review of BBSI’s unaudited interim consolidated financial statements for the 2015 third quarter.”

According to BBSI, Moss Adams continues to be the company’s independent registered public accounting firm.

The statement from Goldberg Law also seeks more information for its investigation.

“If you purchased or otherwise acquired Barrett shares and would like more information regarding the investigation, we advise you to contact Michael Goldberg or Brian Schall, of Goldberg Law PC, 13650 Marina Pointe Dr. Suite 1404, Marina Del Rey, CA 90292, at 800-977-7401, to discuss your rights without cost to you,” a press release issued by the law firm states.

As a PEO BBSI provides services for employers to outsource management tasks like benefits, payroll and workers’ comp and risk/safety management.

In early 2014 the company reached a workers’ comp insurance arrangement with ACE to provide coverage to BBSI employees in California.

The fronted program agreement provides BBSI with the use of a licensed, admitted insurance carrier in California to issue policies on behalf of BBSI without the intention of transferring any of the workers’ comp risk for the first $5 million per claim, according to a company statement announcing the deal.

The arrangement with ACE addresses the requirements of SB 863, under which the company could not continue its self-insurance program in California beyond Jan 1.

Gould said the BBSI received the letter from the auditor on Nov. 4 and by the following Saturday the company retained Stoll Berne out of Portland, Ore. to conduct an independent investigation.

“The audit committee handed over all of the files for 2014,” Gould said. “These are the same files that were filed with the Securities Exchange Commission.”

Gould noted those filings passed SEC muster.

“At this point the investigation is in the hands of the independent firm, and the auditing committee is taking it extremely seriously,” she said.

Shares of BBSI were down 27 percent to $38.47 at the closing of the stock exchange. Since the announcement of the investigation on Monday shares have fallen dramatically from $52.70 at the start of trading on Monday.


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New Storm Forecast Center Pairs UConn Electric Utility Company

New Storm Forecast Center Pairs UConn Electric Utility Company

Two days before Superstorm Sandy struck Connecticut in 2012, UConn scientists fed measurements from the storm and historical data from others into a computer model they developed and forecast where the most damage and power outages would occur.

Their forecast was very accurate in predicting both the scope and the location of the outages: The model predicted 13,500 damage locations; the storm created about 15,000.

Now, Eversource, Connecticut’s largest electric utility, and the university have now teamed up to create a center devoted to studying ways to better predict and prepare the state’s power infrastructure for natural disasters.

The Eversource Energy Center at the University of Connecticut officially opened last month after getting approval from the school’s board of trustees. It includes faculty and graduate students in environmental, civil, electrical and structural engineering, computer science and forest management.

In addition to storm forecasting, the center’s scientists will study the resiliency of the state’s electric infrastructure and the trees that grow near power lines.

Eversource has committed $9 million over five years to fund the center, an investment the utility believes will pay off.

“If we can shave hours off small events and days off large events by prestaging the right amount of resources, by making our vegetation management and infrastructure hardening programs better and more cost effective, I think it could pay back several times over,” said Ken Bowes, Eversource’s vice president of engineering.

Center director Emmanouil Anagnostou, an environmental engineering professor, says the center also will eventually include the university’s business school, which will help Eversource with risk analysis, deciding where to spend money on reinforcing the system and creating an optimal storm response plan.

There are other power companies working with scientists at schools across the nation on vegetation or storm forecasting issues, Anagnostou said. But the UConn center is the first to combine multiple disciplines to attack the problems in one place.

He said they hope the center will help attract students and grant money, and give current graduate students some real-world experience that will help them land jobs.

The center will refine the school’s storm forecasting model with data from each subsequent event, making it easier to predict where winds, rain, tides, snow and ice are likely to present the most problems, Anagnostou said.

The school put the power-outage forecast model to work last month for a relatively small coastal storm.

“It predicted a midrange of about 350 trouble spots and we ended up with about 400 trouble spots,” Bowes said. “So, it’s pretty accurate.”

For now, the storm prediction model is being shared only between the school and Eversource. But as it becomes refined the center may decide to share its predictions with the public to alert home and business owners in areas projected to be hard hit, officials said.

Scientists at the center also are using laser technology to create 3D maps of the state’s electric infrastructure and surrounding vegetation that can show the size of trees and where they are relative to power lines. It also will show whether power poles are leaning and may be vulnerable.

And natural resources scientists are putting computer sensors on trees that measure out how the different species react to wind, rain and ice — whether standing alone or in a forest.

“About 90 percent of our electrical outages are related to down trees or tree limbs breaking,” said Bowes. “And we’re hopeful that with this research we’ll be able to prune and trim the right trees, not all the trees.”


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V3 Insurance Launches Management Liability Package

V3 Insurance Launches Management Liability Package

V3 Insurance Partners LLC has launched a new management liability package program, Vantage Point, for private companies and not-for-profit organizations. Vantage Point is a flexible insurance package created specifically for small- to mid-sized companies that offers comprehensive insurance coverages tailored to protect against a range of risks that threaten their organization.

Vantage Point is insured by National Liability & Fire Insurance Co, a member company of the Berkshire Hathaway Group. Pending State DOI approval, the program will be available in all states excluding Louisiana and Alaska.

According to Dana Ross-Paige, V3 senior vice president and national practice leader for Professional Lines Vantage Point allows companies to choose one or more of ten high-profile coverages and package them into one program.

Vantage Point features directors & officers, employment practice liability, fiduciary, employed lawyers, miscellaneous professional liability, cyber liability, crime, kidnap & ransom and workplace violence. It also includes Private Vantage Assist, a reputational coverage that covers approved crisis management fees and expenses. Limits up to $5 million are available for each coverage.

V3 is currently seeking to appoint agents and brokers for this product.

V3 Insurance Partners LLC is a Newtown, Pa.-based managing general underwriting agency offering insurance programs targeted at middle market companies. Its four major practice groups are Internet Workers’ Compensation, Transportation, Professional Lines and Property/Casualty.

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