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rorist attacks in New York City and Washington had serious implications for both property insurers and life insurers.

Plummeting profitability in 2001 marked the fourth consecutive year of similar performance in the insurance sub-sector of the financial services sector since the sub-sector historically high profitability level attained in 1997. Underwriting losses in 2000 and 2001 established those years as two of the three most devastating years for the insurance sub-se

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