Inside This Issue
		NATIONAL COVERAGE
	Analysis: AIG Meltdown Has Roots in Greenberg Era
	Critics Say Greenberg Planted the Seeds for the $180 Billion Disaster
 
	Federal Reserve in Uncharted, Risky Territory
	Fed's Exposure to AIG Totals Nearly $93 Billion
 
	Closer Look: Homeowners and Auto
	Personal Umbrella Policies Come in All Shapes and Sizes
 
	Spotlight: Energy/Oil & Gas
	10 Things to Know About the Energy Market
 
	SPECIAL REPORT: Top 100 Agency Profile
	Calif.-based Heffernan Insurance Brokers - A Young Company With a Nontraditional Management Style
 
	
SPECIAL REPORT: Hospitality Risks Directory
	Closer Look: Auto/Antiques and Collectibles
	Recession Gives Agents New Opportunity with Car Lovers
 
	Spotlight: Transportation and Trucking
	Industry Stalled in Soft Market But Rate Increases on Horizon
 
IDEA EXCHANGE
	Growing Your Property Casualty Agency
	Don't Emulate How the Big Auto Insurers Sell
 
	Minding Your Business
	The Art of Restructuring Your Agency in Difficult Times
 
	Closing Quote: Robert Rusbuldt
	Big "I" Letter to President Obama
 
DEPARTMENTS
	
Business Moves
	Closing Quote
	
MyNewMarkets
	Opening Note
	
People
MIDWEST COVERAGE
	Missouri Unions Rebuffed in Challenge to Workers' Comp Law
	Businesses Gain Technical Win As Workers' Issues Are Ruled Premature
 
	Industry Questions Wisconsin Governors Hike in Auto Limits
	Would Raise Premiums for Many 40%
 
	Ohio Cracks Down On Employee Misclassification
	Costing Workers' Comp System $50 Million
 
	Illinois, Michigan Among States Reporting Fewer Auto Deaths
	Overall, 40 States Have Seen a Decline in Driving Fatalities
 
	Death Map of Natural Events
	In Northern Great Plains, Heat and Drought Are Biggest Killers
 
	
How Stimulus Package Could Benefit P/C Insurance
$140 Billion Into Construction Spending
	Study Unveils Target Areas For Flood Insurance Sales
	But Selling In These Areas Could Sink Federal Program
 
	Side Benefits of Stimulus for Agencies
	Tax Breaks, Subsidies and More
 
	Maximizing Sales Begins With Source Tracking
	Why Not All Sales Lead Sources Are Equal