> Judah wrote:
> You and I agree on any number of things Gruss but your attitude toward
> insurance is painfully backward. A "risk pool" is only one part of
> insurance and you treat it as the end all and be all of a system.

Maybe.  Bring it forward for me:

So product figures out desirable products and market segmentation,
producers identify clients (e.g. brokers), sales sells, underwriters
figure out how to price a product based on the client's risk, and then
ya got yer operations folks.  (I'm ignoring all the treasury stuff
etc)

So what's missin'?

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