"The future is already here — it's just not evenly distributed," said William Gibson, cyberpunk author.

Cyberpunk is a subgenre of science fiction where plots are set in the future and the characters are marginalized and victimized by wimpy governments and the sinister greed of major corporations. They rail against the establishment, designing creative solutions to their own challenges, using technology in ways that were never intended by their inventors.

Why is this relevant to insurance? If you think about Mr. Gibson's quote and the themes of his genre, they are spot on. The future has been here for years, starting on the fringes of society; and once it became more mainstream, its label changed to "present."

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