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Picture it: Long Island, New York, 2004. (For anyone old enough to remember “The Golden Girls,” I hear the voice of Sophia Petrillo saying “Picture it: Sicily, 1941.”) I owned a moderately successful insurance agency in Hauppauge, New York. There were eight of us working there, we had a bevy of good clients, all of them fully insured, and we had what appeared to be, by today’s standards anyway, a robust and competitive insurance marketplace.

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