Your answers to questions 44 to 46 must be based on the text below, which is entitled ''Financial and Market Conditions'':
The text informs us that
the profi ts made by many insurers might be destroyed due to natural disasters.
additional capital would have to be raised so as to assist victims of disasters.
insolvency will have to be faced by the major international insurance companies.
2004 may be seen as the least profi table year in the insurance industry's history.
2005 and 2006 should make up for the fi nancial losses faced by the industry in 2004.
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