Inside This Issue
		NATIONAL COVERAGE
	
Continued Drought, More Tornados
	
New Insurance Laws Taking Effect
	
Large Retailers Rediscover Wholesale
	
Special Report: What to Expect Double-Digit Returns Absent From Year-End, 2013 Financial Forecasts
	
Prospects for Insurance Regulation
	
Insurance Industry to Add Jobs in 2013
	
New Leaders to Expect Next Year
	
Spotlight: New Players
IDEA EXCHANGE
	
E&O Insights: Pearsall on New Players and Markets
	
2013 Buyer's Guide
	
Growing Your Property Casualty Agency: Shulman
DEPARTMENTS
	
Opening Note
	
People
	
Closing Quote