Your answers to questions 44 to 46 must be based on the text below, which is entitled ''Financial and Market Conditions'':
In paragraph 1, the author
disregards the coexistence of internal and external forces.
refers to forces which must be foreseen by insurance analysts.
mentions a set of forces which affect the insurance product.
presents external factors which once affected the insurance industry.
lists external forces which will probably hinder the industry's growth.
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