“We always overestimate the change that will occur in the nexttwo years and underestimate the change that will occur in the next10. Don't let yourself be lulled into inaction.” Bill Gates, fromhis book, “The Road Ahead.”
This quote got me thinking about changes in the voluntary marketplace we canexpect in the next 10 years.
First, let's reflect on the changes in the voluntary market overthe past 10 years.
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