I have a good friend who is a police officer working the night shift and I asked him one time about what his average night consists of. I was thinking that his job resembled something on one of those action-packed police shows. I was surprised to hear him say that most of the time it was seven-and-a-half hours of boredom, followed by a half hour of excitement, and sometimes, absolute terror. I think his idea of boredom was completing accident reports, traffic tickets and various paperwork associated with street cops.

While I don’t confess to be practicing insurance at the danger level of a trained police officer, I do think his comment parallels what I have seen recently in the insurance business. The summer activity level was at an all-time low for me, but right after Labor Day it ramped up to a level of excitement and sometimes even absolute terror, given what is happening in Washington.

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