Theinsuranceindustryentered2005poisedtotakeadvantageofpositiveeconomicconditionsinindustrializedeconomiesandspectaculargrowthinmanyunderservedemergingmarkets.Yet,thenumerousU.S.investigationsintoallegationsofimproperconductattheendof2004,coupledwithrisingregulatoryrequirementsaroundthewo