id	sid	tid	token	lemma	pos
inlawrev-3590	1	1	indiana	indiana	PROPN
inlawrev-3590	1	2	law	law	PROPN
inlawrev-3590	1	3	review	review	VERB
inlawrev-3590	1	4	terrorism	terrorism	NOUN
inlawrev-3590	1	5	and	and	CCONJ
inlawrev-3590	1	6	insurance	insurance	NOUN
inlawrev-3590	1	7	markets	market	NOUN
inlawrev-3590	1	8	:	:	PUNCT
inlawrev-3590	1	9	a	a	DET
inlawrev-3590	1	10	role	role	NOUN
inlawrev-3590	1	11	for	for	ADP
inlawrev-3590	1	12	the	the	DET
inlawrev-3590	1	13	government	government	NOUN
inlawrev-3590	1	14	as	as	ADP
inlawrev-3590	1	15	insurer	insurer	NOUN
inlawrev-3590	1	16	?	?	PUNCT
inlawrev-3590	2	1	anne	anne	PROPN
inlawrev-3590	2	2	gron	gron	PROPN
inlawrev-3590	2	3	'	'	PART
inlawrev-3590	2	4	alan	alan	PROPN
inlawrev-3590	2	5	o.	o.	PROPN
inlawrev-3590	2	6	sykes	sykes	PROPN
inlawrev-3590	2	7	'	'	PART
inlawrev-3590	2	8	abstract	abstract	NOUN
inlawrev-3590	2	9	since	since	SCONJ
inlawrev-3590	2	10	september	september	PROPN
inlawrev-3590	2	11	1	1	NUM
inlawrev-3590	2	12	1	1	NUM
inlawrev-3590	2	13	,	,	PUNCT
inlawrev-3590	2	14	2001	2001	NUM
inlawrev-3590	2	15	,	,	PUNCT
inlawrev-3590	2	16	insurance	insurance	NOUN
inlawrev-3590	2	17	markets	market	NOUN
inlawrev-3590	2	18	have	have	AUX
inlawrev-3590	2	19	been	be	AUX
inlawrev-3590	2	20	struggling	struggle	VERB
inlawrev-3590	2	21	to	to	PART
inlawrev-3590	2	22	adjust	adjust	VERB
inlawrev-3590	2	23	to	to	ADP
inlawrev-3590	2	24	new	new	ADJ
inlawrev-3590	2	25	information	information	NOUN
inlawrev-3590	2	26	about	about	ADP
inlawrev-3590	2	27	the	the	DET
inlawrev-3590	2	28	magnitude	magnitude	NOUN
inlawrev-3590	2	29	of	of	ADP
inlawrev-3590	2	30	risks	risk	NOUN
inlawrev-3590	2	31	posed	pose	VERB
inlawrev-3590	2	32	by	by	ADP
inlawrev-3590	2	33	terrorism	terrorism	NOUN
inlawrev-3590	2	34	,	,	PUNCT
inlawrev-3590	2	35	and	and	CCONJ
inlawrev-3590	2	36	to	to	ADP
inlawrev-3590	2	37	the	the	DET
inlawrev-3590	2	38	loss	loss	NOUN
inlawrev-3590	2	39	oftens	often	VERB
inlawrev-3590	2	40	ofbillions	ofbillion	NOUN
inlawrev-3590	2	41	ofdollars	ofdollar	NOUN
inlawrev-3590	2	42	in	in	ADP
inlawrev-3590	2	43	reserves	reserve	NOUN
inlawrev-3590	2	44	because	because	SCONJ
inlawrev-3590	2	45	of	of	ADP
inlawrev-3590	2	46	claims	claim	NOUN
inlawrev-3590	2	47	relating	relate	VERB
inlawrev-3590	2	48	to	to	ADP
inlawrev-3590	2	49	the	the	DET
inlawrev-3590	2	50	september	september	PROPN
inlawrev-3590	2	51	1	1	NUM
inlawrev-3590	2	52	1	1	NUM
inlawrev-3590	2	53	attacks	attack	NOUN
inlawrev-3590	2	54	.	.	PUNCT
inlawrev-3590	3	1	insurance	insurance	NOUN
inlawrev-3590	3	2	coverage	coverage	NOUN
inlawrev-3590	3	3	for	for	ADP
inlawrev-3590	3	4	terror	terror	NOUN
inlawrev-3590	3	5	-	-	PUNCT
inlawrev-3590	3	6	related	relate	VERB
inlawrev-3590	3	7	losses	loss	NOUN
inlawrev-3590	3	8	has	have	AUX
inlawrev-3590	3	9	become	become	VERB
inlawrev-3590	3	10	more	more	ADV
inlawrev-3590	3	11	expensive	expensive	ADJ
inlawrev-3590	3	12	and	and	CCONJ
inlawrev-3590	3	13	for	for	SCONJ
inlawrev-3590	3	14	some	some	DET
inlawrev-3590	3	15	risks	risk	NOUN
inlawrev-3590	3	16	difficult	difficult	ADJ
inlawrev-3590	3	17	or	or	CCONJ
inlawrev-3590	3	18	impossible	impossible	ADJ
inlawrev-3590	3	19	to	to	PART
inlawrev-3590	3	20	obtain	obtain	VERB
inlawrev-3590	3	21	.	.	PUNCT
inlawrev-3590	4	1	as	as	ADP
inlawrev-3590	4	2	a	a	DET
inlawrev-3590	4	3	result	result	NOUN
inlawrev-3590	4	4	,	,	PUNCT
inlawrev-3590	4	5	various	various	ADJ
inlawrev-3590	4	6	interest	interest	NOUN
inlawrev-3590	4	7	groups	group	NOUN
inlawrev-3590	4	8	called	call	VERB
inlawrev-3590	4	9	for	for	SCONJ
inlawrev-3590	4	10	the	the	DET
inlawrev-3590	4	11	federal	federal	ADJ
inlawrev-3590	4	12	government	government	NOUN
inlawrev-3590	4	13	to	to	PART
inlawrev-3590	4	14	provide	provide	VERB
inlawrev-3590	4	15	coverage	coverage	NOUN
inlawrev-3590	4	16	for	for	ADP
inlawrev-3590	4	17	terrorism	terrorism	NOUN
inlawrev-3590	4	18	losses	loss	NOUN
inlawrev-3590	4	19	,	,	PUNCT
inlawrev-3590	4	20	resulting	result	VERB
inlawrev-3590	4	21	in	in	ADP
inlawrev-3590	4	22	the	the	DET
inlawrev-3590	4	23	terrorism	terrorism	NOUN
inlawrev-3590	4	24	risk	risk	NOUN
inlawrev-3590	4	25	insurance	insurance	NOUN
inlawrev-3590	4	26	act	act	NOUN
inlawrev-3590	4	27	of	of	ADP
inlawrev-3590	4	28	2002	2002	NUM
inlawrev-3590	4	29	.	.	PUNCT
inlawrev-3590	5	1	we	we	PRON
inlawrev-3590	5	2	question	question	VERB
inlawrev-3590	5	3	the	the	DET
inlawrev-3590	5	4	wisdom	wisdom	NOUN
inlawrev-3590	5	5	of	of	ADP
inlawrev-3590	5	6	measures	measure	NOUN
inlawrev-3590	5	7	of	of	ADP
inlawrev-3590	5	8	this	this	DET
inlawrev-3590	5	9	sort	sort	NOUN
inlawrev-3590	5	10	.	.	PUNCT
inlawrev-3590	6	1	they	they	PRON
inlawrev-3590	6	2	are	be	AUX
inlawrev-3590	6	3	likely	likely	ADJ
inlawrev-3590	6	4	to	to	PART
inlawrev-3590	6	5	come	come	VERB
inlawrev-3590	6	6	too	too	ADV
inlawrev-3590	6	7	late	late	ADV
inlawrev-3590	6	8	to	to	PART
inlawrev-3590	6	9	address	address	VERB
inlawrev-3590	6	10	short	short	ADJ
inlawrev-3590	6	11	-	-	PUNCT
inlawrev-3590	6	12	term	term	NOUN
inlawrev-3590	6	13	market	market	NOUN
inlawrev-3590	6	14	disruption	disruption	NOUN
inlawrev-3590	6	15	,	,	PUNCT
inlawrev-3590	6	16	and	and	CCONJ
inlawrev-3590	6	17	in	in	ADP
inlawrev-3590	6	18	the	the	DET
inlawrev-3590	6	19	long	long	ADJ
inlawrev-3590	6	20	run	run	NOUN
inlawrev-3590	6	21	may	may	AUX
inlawrev-3590	6	22	well	well	ADV
inlawrev-3590	6	23	supplant	supplant	VERB
inlawrev-3590	6	24	or	or	CCONJ
inlawrev-3590	6	25	distort	distort	VERB
inlawrev-3590	6	26	desirable	desirable	ADJ
inlawrev-3590	6	27	market	market	NOUN
inlawrev-3590	6	28	responses	response	NOUN
inlawrev-3590	6	29	to	to	ADP
inlawrev-3590	6	30	the	the	DET
inlawrev-3590	6	31	new	new	ADJ
inlawrev-3590	6	32	information	information	NOUN
inlawrev-3590	6	33	about	about	ADP
inlawrev-3590	6	34	terrorism	terrorism	NOUN
inlawrev-3590	6	35	risk	risk	NOUN
inlawrev-3590	6	36	.	.	PUNCT
inlawrev-3590	7	1	the	the	DET
inlawrev-3590	7	2	terrorist	terrorist	ADJ
inlawrev-3590	7	3	attacks	attack	NOUN
inlawrev-3590	7	4	on	on	ADP
inlawrev-3590	7	5	the	the	DET
inlawrev-3590	7	6	united	united	PROPN
inlawrev-3590	7	7	states	states	PROPN
inlawrev-3590	7	8	in	in	ADP
inlawrev-3590	7	9	september	september	PROPN
inlawrev-3590	7	10	2001	2001	NUM
inlawrev-3590	7	11	created	create	VERB
inlawrev-3590	7	12	chaos	chaos	NOUN
inlawrev-3590	7	13	in	in	ADP
inlawrev-3590	7	14	the	the	DET
inlawrev-3590	7	15	insurance	insurance	NOUN
inlawrev-3590	7	16	industry	industry	NOUN
inlawrev-3590	7	17	.	.	PUNCT
inlawrev-3590	8	1	insurers	insurer	NOUN
inlawrev-3590	8	2	immediately	immediately	ADV
inlawrev-3590	8	3	refused	refuse	VERB
inlawrev-3590	8	4	to	to	PART
inlawrev-3590	8	5	sell	sell	VERB
inlawrev-3590	8	6	more	more	ADJ
inlawrev-3590	8	7	than	than	ADP
inlawrev-3590	8	8	minimal	minimal	ADJ
inlawrev-3590	8	9	coverage	coverage	NOUN
inlawrev-3590	8	10	to	to	ADP
inlawrev-3590	8	11	any	any	DET
inlawrev-3590	8	12	airline	airline	NOUN
inlawrev-3590	8	13	for	for	ADP
inlawrev-3590	8	14	ground	ground	NOUN
inlawrev-3590	8	15	damage	damage	NOUN
inlawrev-3590	8	16	,	,	PUNCT
inlawrev-3590	8	17	placing	place	VERB
inlawrev-3590	8	18	airlines	airline	NOUN
inlawrev-3590	8	19	in	in	ADP
inlawrev-3590	8	20	difficulty	difficulty	NOUN
inlawrev-3590	8	21	with	with	ADP
inlawrev-3590	8	22	both	both	PRON
inlawrev-3590	8	23	creditors	creditor	NOUN
inlawrev-3590	8	24	and	and	CCONJ
inlawrev-3590	8	25	regulators	regulator	NOUN
inlawrev-3590	8	26	.	.	PUNCT
inlawrev-3590	9	1	*	*	PUNCT
inlawrev-3590	9	2	property	property	NOUN
inlawrev-3590	9	3	and	and	CCONJ
inlawrev-3590	9	4	casualty	casualty	NOUN
inlawrev-3590	9	5	reinsurers	reinsurer	NOUN
inlawrev-3590	9	6	,	,	PUNCT
inlawrev-3590	9	7	who	who	PRON
inlawrev-3590	9	8	will	will	AUX
inlawrev-3590	9	9	bear	bear	VERB
inlawrev-3590	9	10	the	the	DET
inlawrev-3590	9	11	brunt	brunt	NOUN
inlawrev-3590	9	12	ofthe	ofthe	ADJ
inlawrev-3590	9	13	$	$	SYM
inlawrev-3590	9	14	40	40	NUM
inlawrev-3590	9	15	billion	billion	NUM
inlawrev-3590	9	16	or	or	CCONJ
inlawrev-3590	9	17	more	more	ADJ
inlawrev-3590	9	18	in	in	ADP
inlawrev-3590	9	19	claims	claim	NOUN
inlawrev-3590	9	20	resulting	result	VERB
inlawrev-3590	9	21	from	from	ADP
inlawrev-3590	9	22	the	the	DET
inlawrev-3590	9	23	destruction	destruction	NOUN
inlawrev-3590	9	24	ofthe	ofthe	ADJ
inlawrev-3590	9	25	world	world	PROPN
inlawrev-3590	9	26	trade	trade	PROPN
inlawrev-3590	9	27	center,^	center,^	PROPN
inlawrev-3590	9	28	announced	announce	VERB
inlawrev-3590	9	29	that	that	SCONJ
inlawrev-3590	9	30	they	they	PRON
inlawrev-3590	9	31	would	would	AUX
inlawrev-3590	9	32	no	no	ADV
inlawrev-3590	9	33	longer	long	ADV
inlawrev-3590	9	34	sell	sell	VERB
inlawrev-3590	9	35	coverage	coverage	NOUN
inlawrev-3590	9	36	for	for	ADP
inlawrev-3590	9	37	acts	act	NOUN
inlawrev-3590	9	38	ofterrorism	ofterrorism	NOUN
inlawrev-3590	9	39	.	.	PUNCT
inlawrev-3590	10	1	the	the	DET
inlawrev-3590	10	2	insurance	insurance	NOUN
inlawrev-3590	10	3	industry	industry	NOUN
inlawrev-3590	10	4	responded	respond	VERB
inlawrev-3590	10	5	by	by	ADP
inlawrev-3590	10	6	announcing	announce	VERB
inlawrev-3590	10	7	that	that	SCONJ
inlawrev-3590	10	8	acts	act	NOUN
inlawrev-3590	10	9	of	of	ADP
inlawrev-3590	10	10	terrorism	terrorism	NOUN
inlawrev-3590	10	11	would	would	AUX
inlawrev-3590	10	12	be	be	AUX
inlawrev-3590	10	13	excluded	exclude	VERB
inlawrev-3590	10	14	from	from	ADP
inlawrev-3590	10	15	coverage	coverage	NOUN
inlawrev-3590	10	16	under	under	ADP
inlawrev-3590	10	17	commercial	commercial	ADJ
inlawrev-3590	10	18	policies	policy	NOUN
inlawrev-3590	10	19	in	in	ADP
inlawrev-3590	10	20	future	future	ADJ
inlawrev-3590	10	21	renewals	renewal	NOUN
inlawrev-3590	10	22	,	,	PUNCT
inlawrev-3590	10	23	a	a	DET
inlawrev-3590	10	24	state	state	NOUN
inlawrev-3590	10	25	of	of	ADP
inlawrev-3590	10	26	affairs	affair	NOUN
inlawrev-3590	10	27	that	that	PRON
inlawrev-3590	10	28	might	might	AUX
inlawrev-3590	10	29	place	place	VERB
inlawrev-3590	10	30	the	the	DET
inlawrev-3590	10	31	owners	owner	NOUN
inlawrev-3590	10	32	of	of	ADP
inlawrev-3590	10	33	some	some	DET
inlawrev-3590	10	34	commercial	commercial	ADJ
inlawrev-3590	10	35	properties	property	NOUN
inlawrev-3590	10	36	in	in	ADP
inlawrev-3590	10	37	breach	breach	NOUN
inlawrev-3590	10	38	of	of	ADP
inlawrev-3590	10	39	loan	loan	NOUN
inlawrev-3590	10	40	covenants	covenant	NOUN
inlawrev-3590	10	41	and	and	CCONJ
inlawrev-3590	10	42	may	may	AUX
inlawrev-3590	10	43	leave	leave	VERB
inlawrev-3590	10	44	commercial	commercial	ADJ
inlawrev-3590	10	45	lenders	lender	NOUN
inlawrev-3590	10	46	hesitant	hesitant	ADJ
inlawrev-3590	10	47	to	to	PART
inlawrev-3590	10	48	make	make	VERB
inlawrev-3590	10	49	new	new	ADJ
inlawrev-3590	10	50	loans.^	loans.^	NOUN
inlawrev-3590	10	51	the	the	DET
inlawrev-3590	10	52	bush	bush	PROPN
inlawrev-3590	10	53	administration	administration	PROPN
inlawrev-3590	10	54	quickly	quickly	ADV
inlawrev-3590	10	55	obtained	obtain	VERB
inlawrev-3590	10	56	temporary	temporary	ADJ
inlawrev-3590	10	57	authority	authority	NOUN
inlawrev-3590	10	58	for	for	SCONJ
inlawrev-3590	10	59	the	the	DET
inlawrev-3590	10	60	federal	federal	PROPN
inlawrev-3590	10	61	aviation	aviation	PROPN
inlawrev-3590	10	62	administration	administration	NOUN
inlawrev-3590	10	63	to	to	PART
inlawrev-3590	10	64	provide	provide	VERB
inlawrev-3590	10	65	insurance	insurance	NOUN
inlawrev-3590	10	66	coverage	coverage	NOUN
inlawrev-3590	10	67	to	to	ADP
inlawrev-3590	10	68	airlines	airline	NOUN
inlawrev-3590	10	69	for	for	ADP
inlawrev-3590	10	70	*	*	PUNCT
inlawrev-3590	10	71	assistant	assistant	NOUN
inlawrev-3590	10	72	professor	professor	NOUN
inlawrev-3590	10	73	of	of	ADP
inlawrev-3590	10	74	management	management	NOUN
inlawrev-3590	10	75	and	and	CCONJ
inlawrev-3590	10	76	strategy	strategy	NOUN
inlawrev-3590	10	77	,	,	PUNCT
inlawrev-3590	10	78	northwestern	northwestern	ADJ
inlawrev-3590	10	79	university	university	PROPN
inlawrev-3590	10	80	,	,	PUNCT
inlawrev-3590	10	81	kellogg	kellogg	PROPN
inlawrev-3590	10	82	school	school	PROPN
inlawrev-3590	10	83	of	of	ADP
inlawrev-3590	10	84	business	business	NOUN
inlawrev-3590	10	85	.	.	PUNCT
inlawrev-3590	11	1	b.a	b.a	PROPN
inlawrev-3590	11	2	.	.	PROPN
inlawrev-3590	11	3	,	,	PUNCT
inlawrev-3590	11	4	1984	1984	NUM
inlawrev-3590	11	5	,	,	PUNCT
inlawrev-3590	11	6	magna	magna	PROPN
inlawrev-3590	11	7	cum	cum	NOUN
inlawrev-3590	11	8	laude	laude	NOUN
inlawrev-3590	11	9	,	,	PUNCT
inlawrev-3590	11	10	williams	williams	PROPN
inlawrev-3590	11	11	college	college	PROPN
inlawrev-3590	11	12	;	;	PUNCT
inlawrev-3590	11	13	ph.d	ph.d	PROPN
inlawrev-3590	11	14	.	.	PROPN
inlawrev-3590	11	15	,	,	PUNCT
inlawrev-3590	11	16	massachusetts	massachusetts	PROPN
inlawrev-3590	11	17	institute	institute	PROPN
inlawrev-3590	11	18	of	of	ADP
inlawrev-3590	11	19	technology	technology	NOUN
inlawrev-3590	11	20	.	.	PUNCT
inlawrev-3590	12	1	*	*	PUNCT
inlawrev-3590	12	2	*	*	PUNCT
inlawrev-3590	12	3	frank	frank	ADJ
inlawrev-3590	12	4	and	and	CCONJ
inlawrev-3590	12	5	bernice	bernice	PROPN
inlawrev-3590	12	6	greenberg	greenberg	PROPN
inlawrev-3590	12	7	professor	professor	PROPN
inlawrev-3590	12	8	of	of	ADP
inlawrev-3590	12	9	law	law	NOUN
inlawrev-3590	12	10	,	,	PUNCT
inlawrev-3590	12	11	university	university	PROPN
inlawrev-3590	12	12	of	of	ADP
inlawrev-3590	12	13	chicago	chicago	PROPN
inlawrev-3590	12	14	law	law	NOUN
inlawrev-3590	12	15	school	school	NOUN
inlawrev-3590	12	16	.	.	PUNCT
inlawrev-3590	13	1	b.a	b.a	PROPN
inlawrev-3590	13	2	.	.	PROPN
inlawrev-3590	13	3	,	,	PUNCT
inlawrev-3590	13	4	1976	1976	NUM
inlawrev-3590	13	5	,	,	PUNCT
inlawrev-3590	13	6	college	college	NOUN
inlawrev-3590	13	7	of	of	ADP
inlawrev-3590	13	8	william	william	PROPN
inlawrev-3590	13	9	and	and	CCONJ
inlawrev-3590	13	10	mary	mary	PROPN
inlawrev-3590	13	11	;	;	PUNCT
inlawrev-3590	13	12	j.d	j.d	PROPN
inlawrev-3590	13	13	.	.	PROPN
inlawrev-3590	13	14	,	,	PUNCT
inlawrev-3590	13	15	1982	1982	NUM
inlawrev-3590	13	16	,	,	PUNCT
inlawrev-3590	13	17	yale	yale	PROPN
inlawrev-3590	13	18	university	university	PROPN
inlawrev-3590	13	19	law	law	NOUN
inlawrev-3590	13	20	school	school	NOUN
inlawrev-3590	13	21	;	;	PUNCT
inlawrev-3590	13	22	ph.d	ph.d	PROPN
inlawrev-3590	13	23	.	.	PROPN
inlawrev-3590	13	24	,	,	PUNCT
inlawrev-3590	13	25	1987	1987	NUM
inlawrev-3590	13	26	,	,	PUNCT
inlawrev-3590	13	27	yale	yale	PROPN
inlawrev-3590	13	28	university	university	PROPN
inlawrev-3590	13	29	.	.	PUNCT
inlawrev-3590	14	1	1	1	NUM
inlawrev-3590	14	2	.	.	PUNCT
inlawrev-3590	15	1	see	see	VERB
inlawrev-3590	15	2	barbara	barbara	PROPN
inlawrev-3590	15	3	de	de	PROPN
inlawrev-3590	15	4	lollis	lollis	PROPN
inlawrev-3590	15	5	,	,	PUNCT
inlawrev-3590	15	6	airlines	airline	NOUN
inlawrev-3590	15	7	plan	plan	VERB
inlawrev-3590	15	8	to	to	PART
inlawrev-3590	15	9	create	create	VERB
inlawrev-3590	15	10	insurance	insurance	NOUN
inlawrev-3590	15	11	company	company	NOUN
inlawrev-3590	15	12	;	;	PUNCT
inlawrev-3590	15	13	insurers	insurer	NOUN
inlawrev-3590	15	14	had	have	VERB
inlawrev-3590	15	15	stoppedselling	stoppedselle	VERB
inlawrev-3590	15	16	war	war	NOUN
inlawrev-3590	15	17	risk	risk	NOUN
inlawrev-3590	15	18	policies	policy	NOUN
inlawrev-3590	15	19	after	after	ADP
inlawrev-3590	15	20	september	september	PROPN
inlawrev-3590	15	21	1	1	NUM
inlawrev-3590	15	22	1	1	NUM
inlawrev-3590	15	23	coverage	coverage	NOUN
inlawrev-3590	15	24	,	,	PUNCT
inlawrev-3590	15	25	usatoday	usatoday	PROPN
inlawrev-3590	15	26	,	,	PUNCT
inlawrev-3590	15	27	mar	mar	PROPN
inlawrev-3590	15	28	.	.	PROPN
inlawrev-3590	15	29	7	7	NUM
inlawrev-3590	15	30	,	,	PUNCT
inlawrev-3590	15	31	2002	2002	NUM
inlawrev-3590	15	32	,	,	PUNCT
inlawrev-3590	15	33	at2b	at2b	PROPN
inlawrev-3590	15	34	.	.	PROPN
inlawrev-3590	16	1	2	2	NUM
inlawrev-3590	16	2	.	.	X
inlawrev-3590	16	3	jackie	jackie	PROPN
inlawrev-3590	16	4	spinner	spinner	NOUN
inlawrev-3590	16	5	,	,	PUNCT
inlawrev-3590	16	6	insurers	insurer	NOUN
inlawrev-3590	16	7	see	see	VERB
inlawrev-3590	16	8	terror	terror	NOUN
inlawrev-3590	16	9	coverage	coverage	NOUN
inlawrev-3590	16	10	delays	delay	NOUN
inlawrev-3590	16	11	unless	unless	SCONJ
inlawrev-3590	16	12	u.s	u.s	PROPN
inlawrev-3590	16	13	.	.	PROPN
inlawrev-3590	16	14	helps	help	VERB
inlawrev-3590	16	15	,	,	PUNCT
inlawrev-3590	16	16	wash	wash	VERB
inlawrev-3590	16	17	.	.	PUNCT
inlawrev-3590	17	1	post	post	NOUN
inlawrev-3590	17	2	,	,	PUNCT
inlawrev-3590	17	3	jan	jan	PROPN
inlawrev-3590	17	4	.	.	PROPN
inlawrev-3590	17	5	18	18	NUM
inlawrev-3590	17	6	,	,	PUNCT
inlawrev-3590	17	7	2002	2002	NUM
inlawrev-3590	17	8	,	,	PUNCT
inlawrev-3590	17	9	at	at	ADP
inlawrev-3590	17	10	e3	e3	NOUN
inlawrev-3590	17	11	.	.	PUNCT
inlawrev-3590	18	1	3	3	X
inlawrev-3590	18	2	.	.	X
inlawrev-3590	18	3	see	see	VERB
inlawrev-3590	18	4	adrian	adrian	PROPN
inlawrev-3590	18	5	michaels	michaels	PROPN
inlawrev-3590	18	6	,	,	PUNCT
inlawrev-3590	18	7	insurance	insurance	NOUN
inlawrev-3590	18	8	chief	chief	NOUN
inlawrev-3590	18	9	warns	warn	VERB
inlawrev-3590	18	10	u.s	u.s	PROPN
inlawrev-3590	18	11	.	.	PROPN
inlawrev-3590	18	12	business	business	NOUN
inlawrev-3590	18	13	of	of	ADP
inlawrev-3590	18	14	cover	cover	NOUN
inlawrev-3590	18	15	loss	loss	NOUN
inlawrev-3590	18	16	:	:	PUNCT
inlawrev-3590	18	17	terror	terror	NOUN
inlawrev-3590	18	18	attacks	attack	VERB
inlawrev-3590	18	19	widespread	widespread	ADJ
inlawrev-3590	18	20	disruption	disruption	NOUN
inlawrev-3590	18	21	and	and	CCONJ
inlawrev-3590	18	22	breaches	breach	VERB
inlawrev-3590	18	23	ofloan	ofloan	NOUN
inlawrev-3590	18	24	covenants	covenant	NOUN
inlawrev-3590	18	25	predicted	predict	VERB
inlawrev-3590	18	26	unless	unless	SCONJ
inlawrev-3590	18	27	legislation	legislation	NOUN
inlawrev-3590	18	28	passed	pass	VERB
inlawrev-3590	18	29	,	,	PUNCT
inlawrev-3590	18	30	fin	fin	PROPN
inlawrev-3590	18	31	.	.	PUNCT
inlawrev-3590	19	1	times	times	PROPN
inlawrev-3590	19	2	(	(	PUNCT
inlawrev-3590	19	3	london	london	PROPN
inlawrev-3590	19	4	)	)	PUNCT
inlawrev-3590	19	5	,	,	PUNCT
inlawrev-3590	19	6	dec	dec	PROPN
inlawrev-3590	19	7	.	.	PROPN
inlawrev-3590	19	8	6	6	NUM
inlawrev-3590	19	9	,	,	PUNCT
inlawrev-3590	19	10	2001	2001	NUM
inlawrev-3590	19	11	,	,	PUNCT
inlawrev-3590	19	12	the	the	DET
inlawrev-3590	19	13	americas	america	NOUN
inlawrev-3590	19	14	,	,	PUNCT
inlawrev-3590	19	15	at	at	ADP
inlawrev-3590	19	16	12	12	NUM
inlawrev-3590	19	17	.	.	PUNCT
inlawrev-3590	20	1	448	448	NUM
inlawrev-3590	20	2	indiana	indiana	PROPN
inlawrev-3590	20	3	law	law	PROPN
inlawrev-3590	20	4	review	review	NOUN
inlawrev-3590	20	5	[	[	X
inlawrev-3590	20	6	vol	vol	NOUN
inlawrev-3590	20	7	.	.	PUNCT
inlawrev-3590	21	1	36:447	36:447	NUM
inlawrev-3590	21	2	ground	ground	NOUN
inlawrev-3590	21	3	damage/	damage/	NUM
inlawrev-3590	21	4	a	a	DET
inlawrev-3590	21	5	program	program	NOUN
inlawrev-3590	21	6	that	that	PRON
inlawrev-3590	21	7	remains	remain	VERB
inlawrev-3590	21	8	in	in	ADP
inlawrev-3590	21	9	force	force	NOUN
inlawrev-3590	21	10	subject	subject	ADJ
inlawrev-3590	21	11	to	to	ADP
inlawrev-3590	21	12	periodic	periodic	ADJ
inlawrev-3590	21	13	votes	vote	NOUN
inlawrev-3590	21	14	on	on	ADP
inlawrev-3590	21	15	renewal	renewal	NOUN
inlawrev-3590	21	16	.	.	PUNCT
inlawrev-3590	22	1	broader	broad	ADJ
inlawrev-3590	22	2	proposals	proposal	NOUN
inlawrev-3590	22	3	for	for	ADP
inlawrev-3590	22	4	government	government	NOUN
inlawrev-3590	22	5	participation	participation	NOUN
inlawrev-3590	22	6	passed	pass	VERB
inlawrev-3590	22	7	both	both	DET
inlawrev-3590	22	8	houses	house	NOUN
inlawrev-3590	22	9	of	of	ADP
inlawrev-3590	22	10	congress	congress	PROPN
inlawrev-3590	22	11	and	and	CCONJ
inlawrev-3590	22	12	were	be	AUX
inlawrev-3590	22	13	signed	sign	VERB
inlawrev-3590	22	14	by	by	ADP
inlawrev-3590	22	15	president	president	PROPN
inlawrev-3590	22	16	bush	bush	PROPN
inlawrev-3590	22	17	in	in	ADP
inlawrev-3590	22	18	november	november	PROPN
inlawrev-3590	22	19	2002	2002	NUM
inlawrev-3590	22	20	.	.	PUNCT
inlawrev-3590	23	1	the	the	DET
inlawrev-3590	23	2	legislation	legislation	NOUN
inlawrev-3590	23	3	provided	provide	VERB
inlawrev-3590	23	4	federal	federal	ADJ
inlawrev-3590	23	5	coverage	coverage	NOUN
inlawrev-3590	23	6	for	for	ADP
inlawrev-3590	23	7	up	up	ADP
inlawrev-3590	23	8	to	to	PART
inlawrev-3590	23	9	90	90	NUM
inlawrev-3590	23	10	%	%	NOUN
inlawrev-3590	23	11	of	of	ADP
inlawrev-3590	23	12	the	the	DET
inlawrev-3590	23	13	cost	cost	NOUN
inlawrev-3590	23	14	of	of	ADP
inlawrev-3590	23	15	a	a	DET
inlawrev-3590	23	16	terrorist	terrorist	ADJ
inlawrev-3590	23	17	attack	attack	NOUN
inlawrev-3590	23	18	that	that	PRON
inlawrev-3590	23	19	creates	create	VERB
inlawrev-3590	23	20	losses	loss	NOUN
inlawrev-3590	23	21	in	in	ADP
inlawrev-3590	23	22	excess	excess	NOUN
inlawrev-3590	23	23	of	of	ADP
inlawrev-3590	23	24	$	$	SYM
inlawrev-3590	23	25	10	10	NUM
inlawrev-3590	23	26	billion	billion	NUM
inlawrev-3590	23	27	and	and	CCONJ
inlawrev-3590	23	28	up	up	ADP
inlawrev-3590	23	29	to	to	ADP
inlawrev-3590	23	30	a	a	DET
inlawrev-3590	23	31	total	total	NOUN
inlawrev-3590	23	32	of	of	ADP
inlawrev-3590	23	33	$	$	SYM
inlawrev-3590	23	34	100	100	NUM
inlawrev-3590	23	35	billion	billion	NUM
inlawrev-3590	23	36	for	for	ADP
inlawrev-3590	23	37	three	three	NUM
inlawrev-3590	23	38	years.^	years.^	NOUN
inlawrev-3590	23	39	this	this	DET
inlawrev-3590	23	40	paper	paper	NOUN
inlawrev-3590	23	41	inquires	inquire	VERB
inlawrev-3590	23	42	whether	whether	SCONJ
inlawrev-3590	23	43	a	a	DET
inlawrev-3590	23	44	lack	lack	NOUN
inlawrev-3590	23	45	of	of	ADP
inlawrev-3590	23	46	insurance	insurance	NOUN
inlawrev-3590	23	47	coverage	coverage	NOUN
inlawrev-3590	23	48	for	for	ADP
inlawrev-3590	23	49	terrorist	terrorist	ADJ
inlawrev-3590	23	50	acts	act	NOUN
inlawrev-3590	23	51	warrants	warrant	NOUN
inlawrev-3590	23	52	government	government	NOUN
inlawrev-3590	23	53	intervention	intervention	NOUN
inlawrev-3590	23	54	,	,	PUNCT
inlawrev-3590	23	55	and	and	CCONJ
inlawrev-3590	23	56	in	in	ADP
inlawrev-3590	23	57	particular	particular	ADJ
inlawrev-3590	23	58	whether	whether	SCONJ
inlawrev-3590	23	59	government	government	NOUN
inlawrev-3590	23	60	should	should	AUX
inlawrev-3590	23	61	serve	serve	VERB
inlawrev-3590	23	62	as	as	ADP
inlawrev-3590	23	63	the	the	DET
inlawrev-3590	23	64	insurer	insurer	NOUN
inlawrev-3590	23	65	of	of	ADP
inlawrev-3590	23	66	last	last	ADJ
inlawrev-3590	23	67	resort	resort	NOUN
inlawrev-3590	23	68	going	go	VERB
inlawrev-3590	23	69	forward	forward	ADV
inlawrev-3590	23	70	.	.	PUNCT
inlawrev-3590	24	1	our	our	PRON
inlawrev-3590	24	2	answer	answer	NOUN
inlawrev-3590	24	3	to	to	ADP
inlawrev-3590	24	4	this	this	DET
inlawrev-3590	24	5	question	question	NOUN
inlawrev-3590	24	6	is	be	AUX
inlawrev-3590	24	7	a	a	DET
inlawrev-3590	24	8	tentative	tentative	ADJ
inlawrev-3590	24	9	"	"	PUNCT
inlawrev-3590	24	10	no	no	NOUN
inlawrev-3590	24	11	.	.	PUNCT
inlawrev-3590	24	12	"	"	PUNCT
inlawrev-3590	25	1	we	we	PRON
inlawrev-3590	25	2	stipulate	stipulate	VERB
inlawrev-3590	25	3	at	at	ADP
inlawrev-3590	25	4	the	the	DET
inlawrev-3590	25	5	outset	outset	NOUN
inlawrev-3590	25	6	that	that	SCONJ
inlawrev-3590	25	7	our	our	PRON
inlawrev-3590	25	8	general	general	ADJ
inlawrev-3590	25	9	suspicion	suspicion	NOUN
inlawrev-3590	25	10	of	of	ADP
inlawrev-3590	25	11	government	government	NOUN
inlawrev-3590	25	12	involvement	involvement	NOUN
inlawrev-3590	25	13	rests	rest	VERB
inlawrev-3590	25	14	more	more	ADV
inlawrev-3590	25	15	on	on	ADP
inlawrev-3590	25	16	empirical	empirical	ADJ
inlawrev-3590	25	17	judgments	judgment	NOUN
inlawrev-3590	25	18	,	,	PUNCT
inlawrev-3590	25	19	grounded	ground	VERB
inlawrev-3590	25	20	in	in	ADP
inlawrev-3590	25	21	significant	significant	ADJ
inlawrev-3590	25	22	part	part	NOUN
inlawrev-3590	25	23	on	on	ADP
inlawrev-3590	25	24	previous	previous	ADJ
inlawrev-3590	25	25	experiences	experience	NOUN
inlawrev-3590	25	26	with	with	ADP
inlawrev-3590	25	27	government	government	NOUN
inlawrev-3590	25	28	as	as	ADP
inlawrev-3590	25	29	an	an	DET
inlawrev-3590	25	30	insurer	insurer	NOUN
inlawrev-3590	25	31	,	,	PUNCT
inlawrev-3590	25	32	than	than	ADP
inlawrev-3590	25	33	on	on	ADP
inlawrev-3590	25	34	tight	tight	ADJ
inlawrev-3590	25	35	theoretical	theoretical	ADJ
inlawrev-3590	25	36	arguments	argument	NOUN
inlawrev-3590	25	37	.	.	PUNCT
inlawrev-3590	26	1	in	in	ADP
inlawrev-3590	26	2	brief	brief	NOUN
inlawrev-3590	26	3	,	,	PUNCT
inlawrev-3590	26	4	the	the	DET
inlawrev-3590	26	5	problems	problem	NOUN
inlawrev-3590	26	6	with	with	ADP
inlawrev-3590	26	7	the	the	DET
inlawrev-3590	26	8	affordability	affordability	NOUN
inlawrev-3590	26	9	and	and	CCONJ
inlawrev-3590	26	10	availability	availability	NOUN
inlawrev-3590	26	11	of	of	ADP
inlawrev-3590	26	12	terrorism	terrorism	NOUN
inlawrev-3590	26	13	insurance	insurance	NOUN
inlawrev-3590	26	14	can	can	AUX
inlawrev-3590	26	15	be	be	AUX
inlawrev-3590	26	16	divided	divide	VERB
inlawrev-3590	26	17	into	into	ADP
inlawrev-3590	26	18	two	two	NUM
inlawrev-3590	26	19	categories	category	NOUN
inlawrev-3590	26	20	.	.	PUNCT
inlawrev-3590	27	1	the	the	DET
inlawrev-3590	27	2	first	first	ADJ
inlawrev-3590	27	3	group	group	NOUN
inlawrev-3590	27	4	of	of	ADP
inlawrev-3590	27	5	problems	problem	NOUN
inlawrev-3590	27	6	arises	arise	VERB
inlawrev-3590	27	7	from	from	ADP
inlawrev-3590	27	8	the	the	DET
inlawrev-3590	27	9	temporary	temporary	ADJ
inlawrev-3590	27	10	capacity	capacity	NOUN
inlawrev-3590	27	11	shortage	shortage	NOUN
inlawrev-3590	27	12	attributable	attributable	ADJ
inlawrev-3590	27	13	to	to	ADP
inlawrev-3590	27	14	the	the	DET
inlawrev-3590	27	15	significant	significant	ADJ
inlawrev-3590	27	16	decline	decline	NOUN
inlawrev-3590	27	17	in	in	ADP
inlawrev-3590	27	18	industry	industry	NOUN
inlawrev-3590	27	19	capital	capital	NOUN
inlawrev-3590	27	20	following	follow	VERB
inlawrev-3590	27	21	the	the	DET
inlawrev-3590	27	22	events	event	NOUN
inlawrev-3590	27	23	of	of	ADP
inlawrev-3590	27	24	september	september	PROPN
inlawrev-3590	27	25	1	1	NUM
inlawrev-3590	27	26	1	1	NUM
inlawrev-3590	27	27	.	.	PUNCT
inlawrev-3590	28	1	these	these	DET
inlawrev-3590	28	2	problems	problem	NOUN
inlawrev-3590	28	3	affect	affect	VERB
inlawrev-3590	28	4	terrorism	terrorism	NOUN
inlawrev-3590	28	5	exposures	exposure	NOUN
inlawrev-3590	28	6	of	of	ADP
inlawrev-3590	28	7	a	a	DET
inlawrev-3590	28	8	low	low	ADJ
inlawrev-3590	28	9	to	to	PART
inlawrev-3590	28	10	moderately	moderately	ADV
inlawrev-3590	28	11	large	large	ADJ
inlawrev-3590	28	12	magnitude	magnitude	NOUN
inlawrev-3590	28	13	which	which	PRON
inlawrev-3590	28	14	are	be	AUX
inlawrev-3590	28	15	diversifiable	diversifiable	ADJ
inlawrev-3590	28	16	and	and	CCONJ
inlawrev-3590	28	17	thus	thus	ADV
inlawrev-3590	28	18	would	would	AUX
inlawrev-3590	28	19	be	be	AUX
inlawrev-3590	28	20	insurable	insurable	ADJ
inlawrev-3590	28	21	in	in	ADP
inlawrev-3590	28	22	a	a	DET
inlawrev-3590	28	23	market	market	NOUN
inlawrev-3590	28	24	not	not	PART
inlawrev-3590	28	25	afflicted	afflict	VERB
inlawrev-3590	28	26	by	by	ADP
inlawrev-3590	28	27	a	a	DET
inlawrev-3590	28	28	capacity	capacity	NOUN
inlawrev-3590	28	29	shortage	shortage	NOUN
inlawrev-3590	28	30	.	.	PUNCT
inlawrev-3590	29	1	many	many	ADJ
inlawrev-3590	29	2	of	of	ADP
inlawrev-3590	29	3	these	these	DET
inlawrev-3590	29	4	temporary	temporary	ADJ
inlawrev-3590	29	5	capacity	capacity	NOUN
inlawrev-3590	29	6	shortages	shortage	NOUN
inlawrev-3590	29	7	have	have	AUX
inlawrev-3590	29	8	occurred	occur	VERB
inlawrev-3590	29	9	over	over	ADP
inlawrev-3590	29	10	the	the	DET
inlawrev-3590	29	11	past	past	ADJ
inlawrev-3590	29	12	several	several	ADJ
inlawrev-3590	29	13	decades	decade	NOUN
inlawrev-3590	29	14	,	,	PUNCT
inlawrev-3590	29	15	with	with	ADP
inlawrev-3590	29	16	the	the	DET
inlawrev-3590	29	17	most	most	ADV
inlawrev-3590	29	18	recent	recent	ADJ
inlawrev-3590	29	19	associated	associate	VERB
inlawrev-3590	29	20	with	with	ADP
inlawrev-3590	29	21	catastrophe	catastrophe	NOUN
inlawrev-3590	29	22	insurance	insurance	NOUN
inlawrev-3590	29	23	in	in	ADP
inlawrev-3590	29	24	the	the	DET
inlawrev-3590	29	25	early	early	ADJ
inlawrev-3590	29	26	1990s	1990	NOUN
inlawrev-3590	29	27	.	.	PUNCT
inlawrev-3590	30	1	these	these	DET
inlawrev-3590	30	2	transitory	transitory	ADJ
inlawrev-3590	30	3	periods	period	NOUN
inlawrev-3590	30	4	ofcapacity	ofcapacity	NOUN
inlawrev-3590	30	5	shortage	shortage	NOUN
inlawrev-3590	30	6	are	be	AUX
inlawrev-3590	30	7	often	often	ADV
inlawrev-3590	30	8	called	call	VERB
inlawrev-3590	30	9	insurance	insurance	NOUN
inlawrev-3590	30	10	crises	crisis	NOUN
inlawrev-3590	30	11	because	because	SCONJ
inlawrev-3590	30	12	they	they	PRON
inlawrev-3590	30	13	are	be	AUX
inlawrev-3590	30	14	characterized	characterize	VERB
inlawrev-3590	30	15	by	by	ADP
inlawrev-3590	30	16	large	large	ADJ
inlawrev-3590	30	17	reductions	reduction	NOUN
inlawrev-3590	30	18	in	in	ADP
inlawrev-3590	30	19	the	the	DET
inlawrev-3590	30	20	availability	availability	NOUN
inlawrev-3590	30	21	of	of	ADP
inlawrev-3590	30	22	insurance	insurance	NOUN
inlawrev-3590	30	23	(	(	PUNCT
inlawrev-3590	30	24	encompassing	encompass	VERB
inlawrev-3590	30	25	both	both	CCONJ
inlawrev-3590	30	26	increased	increase	VERB
inlawrev-3590	30	27	deductibles	deductible	NOUN
inlawrev-3590	30	28	and	and	CCONJ
inlawrev-3590	30	29	reduced	reduced	ADJ
inlawrev-3590	30	30	limits	limit	NOUN
inlawrev-3590	30	31	)	)	PUNCT
inlawrev-3590	30	32	along	along	ADP
inlawrev-3590	30	33	with	with	ADP
inlawrev-3590	30	34	large	large	ADJ
inlawrev-3590	30	35	price	price	NOUN
inlawrev-3590	30	36	increases	increase	NOUN
inlawrev-3590	30	37	and	and	CCONJ
inlawrev-3590	30	38	,	,	PUNCT
inlawrev-3590	30	39	at	at	ADP
inlawrev-3590	30	40	times	time	NOUN
inlawrev-3590	30	41	,	,	PUNCT
inlawrev-3590	30	42	a	a	DET
inlawrev-3590	30	43	lack	lack	NOUN
inlawrev-3590	30	44	of	of	ADP
inlawrev-3590	30	45	coverage	coverage	NOUN
inlawrev-3590	30	46	at	at	ADP
inlawrev-3590	30	47	any	any	DET
inlawrev-3590	30	48	price	price	NOUN
inlawrev-3590	30	49	for	for	ADP
inlawrev-3590	30	50	the	the	DET
inlawrev-3590	30	51	lines	line	NOUN
inlawrev-3590	30	52	most	most	ADV
inlawrev-3590	30	53	affected	affected	ADJ
inlawrev-3590	30	54	.	.	PUNCT
inlawrev-3590	31	1	the	the	DET
inlawrev-3590	31	2	problems	problem	NOUN
inlawrev-3590	31	3	associated	associate	VERB
inlawrev-3590	31	4	with	with	ADP
inlawrev-3590	31	5	the	the	DET
inlawrev-3590	31	6	current	current	ADJ
inlawrev-3590	31	7	capacity	capacity	NOUN
inlawrev-3590	31	8	shortage	shortage	NOUN
inlawrev-3590	31	9	are	be	AUX
inlawrev-3590	31	10	amplified	amplify	VERB
inlawrev-3590	31	11	because	because	SCONJ
inlawrev-3590	31	12	the	the	DET
inlawrev-3590	31	13	events	event	NOUN
inlawrev-3590	31	14	of	of	ADP
inlawrev-3590	31	15	september	september	PROPN
inlawrev-3590	31	16	1	1	NUM
inlawrev-3590	31	17	1	1	NUM
inlawrev-3590	31	18	occurred	occur	VERB
inlawrev-3590	31	19	at	at	ADP
inlawrev-3590	31	20	a	a	DET
inlawrev-3590	31	21	time	time	NOUN
inlawrev-3590	31	22	when	when	SCONJ
inlawrev-3590	31	23	property	property	NOUN
inlawrev-3590	31	24	-	-	PUNCT
inlawrev-3590	31	25	casualty	casualty	NOUN
inlawrev-3590	31	26	insurance	insurance	NOUN
inlawrev-3590	31	27	prices	price	NOUN
inlawrev-3590	31	28	were	be	AUX
inlawrev-3590	31	29	already	already	ADV
inlawrev-3590	31	30	rising	rise	VERB
inlawrev-3590	31	31	and	and	CCONJ
inlawrev-3590	31	32	insurers	insurer	NOUN
inlawrev-3590	31	33	had	have	VERB
inlawrev-3590	31	34	significant	significant	ADJ
inlawrev-3590	31	35	risk	risk	NOUN
inlawrev-3590	31	36	overhang	overhang	NOUN
inlawrev-3590	31	37	from	from	ADP
inlawrev-3590	31	38	other	other	ADJ
inlawrev-3590	31	39	property	property	NOUN
inlawrev-3590	31	40	policies	policy	NOUN
inlawrev-3590	31	41	in	in	ADP
inlawrev-3590	31	42	force	force	NOUN
inlawrev-3590	31	43	.	.	PUNCT
inlawrev-3590	32	1	those	those	DET
inlawrev-3590	32	2	events	event	NOUN
inlawrev-3590	32	3	caused	cause	VERB
inlawrev-3590	32	4	insurers	insurer	NOUN
inlawrev-3590	32	5	to	to	PART
inlawrev-3590	32	6	revise	revise	VERB
inlawrev-3590	32	7	upward	upward	ADV
inlawrev-3590	32	8	their	their	PRON
inlawrev-3590	32	9	judgments	judgment	NOUN
inlawrev-3590	32	10	about	about	ADP
inlawrev-3590	32	11	the	the	DET
inlawrev-3590	32	12	probability	probability	NOUN
inlawrev-3590	32	13	of	of	ADP
inlawrev-3590	32	14	a	a	DET
inlawrev-3590	32	15	terrorist	terrorist	ADJ
inlawrev-3590	32	16	act	act	NOUN
inlawrev-3590	32	17	and	and	CCONJ
inlawrev-3590	32	18	the	the	DET
inlawrev-3590	32	19	associated	associated	ADJ
inlawrev-3590	32	20	losses	loss	NOUN
inlawrev-3590	32	21	,	,	PUNCT
inlawrev-3590	32	22	but	but	CCONJ
inlawrev-3590	32	23	considerable	considerable	ADJ
inlawrev-3590	32	24	uncertainty	uncertainty	NOUN
inlawrev-3590	32	25	still	still	ADV
inlawrev-3590	32	26	exists	exist	VERB
inlawrev-3590	32	27	about	about	ADP
inlawrev-3590	32	28	both	both	PRON
inlawrev-3590	32	29	.	.	PUNCT
inlawrev-3590	33	1	to	to	PART
inlawrev-3590	33	2	manage	manage	VERB
inlawrev-3590	33	3	this	this	DET
inlawrev-3590	33	4	altered	altered	ADJ
inlawrev-3590	33	5	risk	risk	NOUN
inlawrev-3590	33	6	,	,	PUNCT
inlawrev-3590	33	7	insurers	insurer	NOUN
inlawrev-3590	33	8	now	now	ADV
inlawrev-3590	33	9	want	want	VERB
inlawrev-3590	33	10	to	to	PART
inlawrev-3590	33	11	rebalance	rebalance	VERB
inlawrev-3590	33	12	their	their	PRON
inlawrev-3590	33	13	exposures	exposure	NOUN
inlawrev-3590	33	14	geographically	geographically	ADV
inlawrev-3590	33	15	and	and	CCONJ
inlawrev-3590	33	16	better	well	ADV
inlawrev-3590	33	17	diversify	diversify	VERB
inlawrev-3590	33	18	their	their	PRON
inlawrev-3590	33	19	portfolios	portfolio	NOUN
inlawrev-3590	33	20	,	,	PUNCT
inlawrev-3590	33	21	a	a	DET
inlawrev-3590	33	22	process	process	NOUN
inlawrev-3590	33	23	which	which	PRON
inlawrev-3590	33	24	has	have	AUX
inlawrev-3590	33	25	made	make	VERB
inlawrev-3590	33	26	them	they	PRON
inlawrev-3590	33	27	reluctant	reluctant	ADJ
inlawrev-3590	33	28	to	to	PART
inlawrev-3590	33	29	write	write	VERB
inlawrev-3590	33	30	new	new	ADJ
inlawrev-3590	33	31	terrorism	terrorism	NOUN
inlawrev-3590	33	32	coverage	coverage	NOUN
inlawrev-3590	33	33	.	.	PUNCT
inlawrev-3590	34	1	the	the	DET
inlawrev-3590	34	2	problems	problem	NOUN
inlawrev-3590	34	3	arising	arise	VERB
inlawrev-3590	34	4	from	from	ADP
inlawrev-3590	34	5	a	a	DET
inlawrev-3590	34	6	temporary	temporary	ADJ
inlawrev-3590	34	7	capacity	capacity	NOUN
inlawrev-3590	34	8	shortage	shortage	NOUN
inlawrev-3590	34	9	and	and	CCONJ
inlawrev-3590	34	10	associated	associated	ADJ
inlawrev-3590	34	11	complications	complication	NOUN
inlawrev-3590	34	12	are	be	AUX
inlawrev-3590	34	13	short	short	ADJ
inlawrev-3590	34	14	-	-	PUNCT
inlawrev-3590	34	15	term	term	NOUN
inlawrev-3590	34	16	and	and	CCONJ
inlawrev-3590	34	17	can	can	AUX
inlawrev-3590	34	18	be	be	AUX
inlawrev-3590	34	19	expected	expect	VERB
inlawrev-3590	34	20	to	to	PART
inlawrev-3590	34	21	be	be	AUX
inlawrev-3590	34	22	self	self	NOUN
inlawrev-3590	34	23	-	-	PUNCT
inlawrev-3590	34	24	correcting	correct	VERB
inlawrev-3590	34	25	.	.	PUNCT
inlawrev-3590	35	1	for	for	ADP
inlawrev-3590	35	2	example	example	NOUN
inlawrev-3590	35	3	,	,	PUNCT
inlawrev-3590	35	4	a	a	DET
inlawrev-3590	35	5	little	little	ADJ
inlawrev-3590	35	6	more	more	ADJ
inlawrev-3590	35	7	than	than	ADP
inlawrev-3590	35	8	six	six	NUM
inlawrev-3590	35	9	months	month	NOUN
inlawrev-3590	35	10	after	after	ADP
inlawrev-3590	35	11	the	the	DET
inlawrev-3590	35	12	attacks	attack	NOUN
inlawrev-3590	35	13	,	,	PUNCT
inlawrev-3590	35	14	insurers	insurer	NOUN
inlawrev-3590	35	15	were	be	AUX
inlawrev-3590	35	16	ready	ready	ADJ
inlawrev-3590	35	17	to	to	PART
inlawrev-3590	35	18	begin	begin	VERB
inlawrev-3590	35	19	writing	write	VERB
inlawrev-3590	35	20	some	some	DET
inlawrev-3590	35	21	policies	policy	NOUN
inlawrev-3590	35	22	that	that	PRON
inlawrev-3590	35	23	they	they	PRON
inlawrev-3590	35	24	refused	refuse	VERB
inlawrev-3590	35	25	to	to	PART
inlawrev-3590	35	26	sell	sell	VERB
inlawrev-3590	35	27	six	six	NUM
inlawrev-3590	35	28	months	month	NOUN
inlawrev-3590	35	29	earlier	early	ADV
inlawrev-3590	35	30	(	(	PUNCT
inlawrev-3590	35	31	such	such	ADJ
inlawrev-3590	35	32	as	as	ADP
inlawrev-3590	35	33	substantial	substantial	ADJ
inlawrev-3590	35	34	coverage	coverage	NOUN
inlawrev-3590	35	35	for	for	ADP
inlawrev-3590	35	36	ground	ground	NOUN
inlawrev-3590	35	37	damage	damage	NOUN
inlawrev-3590	35	38	caused	cause	VERB
inlawrev-3590	35	39	by	by	ADP
inlawrev-3590	35	40	airliners).^	airliners).^	NOUN
inlawrev-3590	35	41	barring	bar	VERB
inlawrev-3590	35	42	new	new	ADJ
inlawrev-3590	35	43	shocks	shock	NOUN
inlawrev-3590	35	44	to	to	ADP
inlawrev-3590	35	45	the	the	DET
inlawrev-3590	35	46	market	market	NOUN
inlawrev-3590	35	47	,	,	PUNCT
inlawrev-3590	35	48	this	this	DET
inlawrev-3590	35	49	trend	trend	NOUN
inlawrev-3590	35	50	should	should	AUX
inlawrev-3590	35	51	continue	continue	VERB
inlawrev-3590	35	52	and	and	CCONJ
inlawrev-3590	35	53	availability	availability	NOUN
inlawrev-3590	35	54	and	and	CCONJ
inlawrev-3590	35	55	pricing	pricing	NOUN
inlawrev-3590	35	56	for	for	ADP
inlawrev-3590	35	57	4	4	NUM
inlawrev-3590	35	58	.	.	PUNCT
inlawrev-3590	36	1	see	see	VERB
inlawrev-3590	36	2	de	de	PROPN
inlawrev-3590	36	3	lollis	lollis	PROPN
inlawrev-3590	36	4	,	,	PUNCT
inlawrev-3590	36	5	supra	supra	PROPN
inlawrev-3590	36	6	note	note	NOUN
inlawrev-3590	36	7	1	1	NUM
inlawrev-3590	36	8	.	.	PUNCT
inlawrev-3590	37	1	5	5	X
inlawrev-3590	37	2	.	.	X
inlawrev-3590	37	3	bush	bush	PROPN
inlawrev-3590	37	4	signs	sign	VERB
inlawrev-3590	37	5	terror	terror	NOUN
inlawrev-3590	37	6	insurance	insurance	NOUN
inlawrev-3590	37	7	bill	bill	NOUN
inlawrev-3590	37	8	sought	seek	VERB
inlawrev-3590	37	9	by	by	ADP
inlawrev-3590	37	10	industry	industry	NOUN
inlawrev-3590	37	11	,	,	PUNCT
inlawrev-3590	37	12	scripps	scripps	PROPN
inlawrev-3590	37	13	howard	howard	PROPN
inlawrev-3590	37	14	news	news	PROPN
inlawrev-3590	37	15	serv	serv	PROPN
inlawrev-3590	37	16	.	.	PUNCT
inlawrev-3590	37	17	,	,	PUNCT
inlawrev-3590	37	18	nov	nov	PROPN
inlawrev-3590	37	19	.	.	PROPN
inlawrev-3590	37	20	26	26	NUM
inlawrev-3590	37	21	,	,	PUNCT
inlawrev-3590	37	22	2002	2002	NUM
inlawrev-3590	37	23	.	.	PUNCT
inlawrev-3590	38	1	6	6	NUM
inlawrev-3590	38	2	.	.	X
inlawrev-3590	38	3	christopher	christopher	PROPN
inlawrev-3590	38	4	oster	oster	PROPN
inlawrev-3590	38	5	,	,	PUNCT
inlawrev-3590	38	6	aig	aig	PROPN
inlawrev-3590	38	7	urges	urge	VERB
inlawrev-3590	38	8	faa	faa	PROPN
inlawrev-3590	38	9	to	to	PART
inlawrev-3590	38	10	end	end	VERB
inlawrev-3590	38	11	airlines	airline	NOUN
inlawrev-3590	38	12	'	'	PART
inlawrev-3590	38	13	war	war	NOUN
inlawrev-3590	38	14	insurance	insurance	NOUN
inlawrev-3590	38	15	,	,	PUNCT
inlawrev-3590	38	16	wall	wall	PROPN
inlawrev-3590	38	17	st	st	PROPN
inlawrev-3590	38	18	.	.	PROPN
inlawrev-3590	38	19	j.	j.	PROPN
inlawrev-3590	38	20	,	,	PUNCT
inlawrev-3590	38	21	feb	feb	PROPN
inlawrev-3590	38	22	.	.	PROPN
inlawrev-3590	38	23	26	26	NUM
inlawrev-3590	38	24	,	,	PUNCT
inlawrev-3590	38	25	2002	2002	NUM
inlawrev-3590	38	26	.	.	PUNCT
inlawrev-3590	39	1	2003	2003	NUM
inlawrev-3590	39	2	]	]	PUNCT
inlawrev-3590	39	3	terrorism	terrorism	NOUN
inlawrev-3590	39	4	and	and	CCONJ
inlawrev-3590	39	5	insurance	insurance	NOUN
inlawrev-3590	39	6	markets	market	NOUN
inlawrev-3590	39	7	449	449	NUM
inlawrev-3590	39	8	some	some	DET
inlawrev-3590	39	9	terrorism	terrorism	NOUN
inlawrev-3590	39	10	coverage	coverage	NOUN
inlawrev-3590	39	11	will	will	AUX
inlawrev-3590	39	12	likely	likely	ADV
inlawrev-3590	39	13	improve	improve	VERB
inlawrev-3590	39	14	substantially	substantially	ADV
inlawrev-3590	39	15	(	(	PUNCT
inlawrev-3590	39	16	although	although	SCONJ
inlawrev-3590	39	17	premiums	premium	NOUN
inlawrev-3590	39	18	will	will	AUX
inlawrev-3590	39	19	assuredly	assuredly	ADV
inlawrev-3590	39	20	be	be	AUX
inlawrev-3590	39	21	higher	high	ADJ
inlawrev-3590	39	22	,	,	PUNCT
inlawrev-3590	39	23	reflecting	reflect	VERB
inlawrev-3590	39	24	the	the	DET
inlawrev-3590	39	25	higher	high	ADJ
inlawrev-3590	39	26	expected	expect	VERB
inlawrev-3590	39	27	loss	loss	NOUN
inlawrev-3590	39	28	)	)	PUNCT
inlawrev-3590	39	29	.	.	PUNCT
inlawrev-3590	40	1	any	any	DET
inlawrev-3590	40	2	further	further	ADJ
inlawrev-3590	40	3	government	government	NOUN
inlawrev-3590	40	4	participation	participation	NOUN
inlawrev-3590	40	5	in	in	ADP
inlawrev-3590	40	6	the	the	DET
inlawrev-3590	40	7	market	market	NOUN
inlawrev-3590	40	8	for	for	ADP
inlawrev-3590	40	9	coverage	coverage	NOUN
inlawrev-3590	40	10	of	of	ADP
inlawrev-3590	40	11	these	these	DET
inlawrev-3590	40	12	losses	loss	NOUN
inlawrev-3590	40	13	is	be	AUX
inlawrev-3590	40	14	likely	likely	ADV
inlawrev-3590	40	15	unnecessary	unnecessary	ADJ
inlawrev-3590	40	16	and	and	CCONJ
inlawrev-3590	40	17	may	may	AUX
inlawrev-3590	40	18	well	well	ADV
inlawrev-3590	40	19	be	be	AUX
inlawrev-3590	40	20	counterproductive	counterproductive	ADJ
inlawrev-3590	40	21	.	.	PUNCT
inlawrev-3590	41	1	we	we	PRON
inlawrev-3590	41	2	note	note	VERB
inlawrev-3590	41	3	also	also	ADV
inlawrev-3590	41	4	that	that	SCONJ
inlawrev-3590	41	5	some	some	PRON
inlawrev-3590	41	6	of	of	ADP
inlawrev-3590	41	7	the	the	DET
inlawrev-3590	41	8	adjustment	adjustment	NOUN
inlawrev-3590	41	9	will	will	AUX
inlawrev-3590	41	10	occur	occur	VERB
inlawrev-3590	41	11	on	on	ADP
inlawrev-3590	41	12	the	the	DET
inlawrev-3590	41	13	part	part	NOUN
inlawrev-3590	41	14	of	of	ADP
inlawrev-3590	41	15	insureds	insured	NOUN
inlawrev-3590	41	16	,	,	PUNCT
inlawrev-3590	41	17	not	not	PART
inlawrev-3590	41	18	just	just	ADV
inlawrev-3590	41	19	their	their	PRON
inlawrev-3590	41	20	insurers	insurer	NOUN
inlawrev-3590	41	21	.	.	PUNCT
inlawrev-3590	42	1	if	if	SCONJ
inlawrev-3590	42	2	loan	loan	NOUN
inlawrev-3590	42	3	contracts	contract	NOUN
inlawrev-3590	42	4	call	call	VERB
inlawrev-3590	42	5	for	for	SCONJ
inlawrev-3590	42	6	borrowers	borrower	NOUN
inlawrev-3590	42	7	to	to	PART
inlawrev-3590	42	8	carry	carry	VERB
inlawrev-3590	42	9	"	"	PUNCT
inlawrev-3590	42	10	all	all	DET
inlawrev-3590	42	11	risk	risk	NOUN
inlawrev-3590	42	12	"	"	PUNCT
inlawrev-3590	42	13	insurance	insurance	NOUN
inlawrev-3590	42	14	,	,	PUNCT
inlawrev-3590	42	15	for	for	ADP
inlawrev-3590	42	16	example	example	NOUN
inlawrev-3590	42	17	,	,	PUNCT
inlawrev-3590	42	18	and	and	CCONJ
inlawrev-3590	42	19	coverage	coverage	NOUN
inlawrev-3590	42	20	for	for	ADP
inlawrev-3590	42	21	one	one	NUM
inlawrev-3590	42	22	of	of	ADP
inlawrev-3590	42	23	the	the	DET
inlawrev-3590	42	24	risks	risk	NOUN
inlawrev-3590	42	25	encompassed	encompass	VERB
inlawrev-3590	42	26	by	by	ADP
inlawrev-3590	42	27	that	that	DET
inlawrev-3590	42	28	term	term	NOUN
inlawrev-3590	42	29	(	(	PUNCT
inlawrev-3590	42	30	terrorism	terrorism	NOUN
inlawrev-3590	42	31	)	)	PUNCT
inlawrev-3590	42	32	is	be	AUX
inlawrev-3590	42	33	no	no	ADV
inlawrev-3590	42	34	longer	long	ADV
inlawrev-3590	42	35	available	available	ADJ
inlawrev-3590	42	36	,	,	PUNCT
inlawrev-3590	42	37	borrowers	borrower	NOUN
inlawrev-3590	42	38	and	and	CCONJ
inlawrev-3590	42	39	lenders	lender	NOUN
inlawrev-3590	42	40	have	have	VERB
inlawrev-3590	42	41	the	the	DET
inlawrev-3590	42	42	option	option	NOUN
inlawrev-3590	42	43	of	of	ADP
inlawrev-3590	42	44	adjusting	adjust	VERB
inlawrev-3590	42	45	their	their	PRON
inlawrev-3590	42	46	contractual	contractual	ADJ
inlawrev-3590	42	47	relationship	relationship	NOUN
inlawrev-3590	42	48	.	.	PUNCT
inlawrev-3590	43	1	lenders	lender	NOUN
inlawrev-3590	43	2	can	can	AUX
inlawrev-3590	43	3	simply	simply	ADV
inlawrev-3590	43	4	reprice	reprice	VERB
inlawrev-3590	43	5	the	the	DET
inlawrev-3590	43	6	loans	loan	NOUN
inlawrev-3590	43	7	upward	upward	ADV
inlawrev-3590	43	8	and	and	CCONJ
inlawrev-3590	43	9	waive	waive	VERB
inlawrev-3590	43	10	the	the	DET
inlawrev-3590	43	11	requirement	requirement	NOUN
inlawrev-3590	43	12	of	of	ADP
inlawrev-3590	43	13	terrorism	terrorism	NOUN
inlawrev-3590	43	14	coverage	coverage	NOUN
inlawrev-3590	43	15	.	.	PUNCT
inlawrev-3590	44	1	for	for	ADP
inlawrev-3590	44	2	many	many	ADJ
inlawrev-3590	44	3	properties	property	NOUN
inlawrev-3590	44	4	where	where	SCONJ
inlawrev-3590	44	5	the	the	DET
inlawrev-3590	44	6	risk	risk	NOUN
inlawrev-3590	44	7	ofterrorism	ofterrorism	NOUN
inlawrev-3590	44	8	is	be	AUX
inlawrev-3590	44	9	extremely	extremely	ADV
inlawrev-3590	44	10	low	low	ADJ
inlawrev-3590	44	11	,	,	PUNCT
inlawrev-3590	44	12	the	the	DET
inlawrev-3590	44	13	price	price	NOUN
inlawrev-3590	44	14	adjustment	adjustment	NOUN
inlawrev-3590	44	15	will	will	AUX
inlawrev-3590	44	16	be	be	AUX
inlawrev-3590	44	17	trivial	trivial	ADJ
inlawrev-3590	44	18	.	.	PUNCT
inlawrev-3590	45	1	and	and	CCONJ
inlawrev-3590	45	2	for	for	ADP
inlawrev-3590	45	3	types	type	NOUN
inlawrev-3590	45	4	of	of	ADP
inlawrev-3590	45	5	properties	property	NOUN
inlawrev-3590	45	6	where	where	SCONJ
inlawrev-3590	45	7	the	the	DET
inlawrev-3590	45	8	risk	risk	NOUN
inlawrev-3590	45	9	is	be	AUX
inlawrev-3590	45	10	perceived	perceive	VERB
inlawrev-3590	45	11	to	to	PART
inlawrev-3590	45	12	be	be	AUX
inlawrev-3590	45	13	great	great	ADJ
inlawrev-3590	45	14	,	,	PUNCT
inlawrev-3590	45	15	it	it	PRON
inlawrev-3590	45	16	is	be	AUX
inlawrev-3590	45	17	hardly	hardly	ADV
inlawrev-3590	45	18	obvious	obvious	ADJ
inlawrev-3590	45	19	that	that	SCONJ
inlawrev-3590	45	20	the	the	DET
inlawrev-3590	45	21	lending	lending	NOUN
inlawrev-3590	45	22	market	market	NOUN
inlawrev-3590	45	23	should	should	AUX
inlawrev-3590	45	24	proceed	proceed	VERB
inlawrev-3590	45	25	as	as	SCONJ
inlawrev-3590	45	26	if	if	SCONJ
inlawrev-3590	45	27	september	september	PROPN
inlawrev-3590	45	28	1	1	NUM
inlawrev-3590	45	29	1	1	NUM
inlawrev-3590	45	30	had	have	AUX
inlawrev-3590	45	31	never	never	ADV
inlawrev-3590	45	32	happened	happen	VERB
inlawrev-3590	45	33	—	—	PUNCT
inlawrev-3590	45	34	it	it	PRON
inlawrev-3590	45	35	may	may	AUX
inlawrev-3590	45	36	well	well	ADV
inlawrev-3590	45	37	be	be	AUX
inlawrev-3590	45	38	desirable	desirable	ADJ
inlawrev-3590	45	39	for	for	SCONJ
inlawrev-3590	45	40	some	some	DET
inlawrev-3590	45	41	commercial	commercial	ADJ
inlawrev-3590	45	42	development	development	NOUN
inlawrev-3590	45	43	to	to	PART
inlawrev-3590	45	44	be	be	AUX
inlawrev-3590	45	45	curtailed	curtail	VERB
inlawrev-3590	45	46	or	or	CCONJ
inlawrev-3590	45	47	reoriented	reorient	VERB
inlawrev-3590	45	48	in	in	ADP
inlawrev-3590	45	49	response	response	NOUN
inlawrev-3590	45	50	to	to	ADP
inlawrev-3590	45	51	the	the	DET
inlawrev-3590	45	52	greater	great	ADJ
inlawrev-3590	45	53	threat	threat	NOUN
inlawrev-3590	45	54	of	of	ADP
inlawrev-3590	45	55	terrorism	terrorism	NOUN
inlawrev-3590	45	56	that	that	PRON
inlawrev-3590	45	57	now	now	ADV
inlawrev-3590	45	58	exists	exist	VERB
inlawrev-3590	45	59	.	.	PUNCT
inlawrev-3590	46	1	a	a	DET
inlawrev-3590	46	2	second	second	ADJ
inlawrev-3590	46	3	set	set	NOUN
inlawrev-3590	46	4	of	of	ADP
inlawrev-3590	46	5	problems	problem	NOUN
inlawrev-3590	46	6	relates	relate	VERB
inlawrev-3590	46	7	to	to	ADP
inlawrev-3590	46	8	insurance	insurance	NOUN
inlawrev-3590	46	9	for	for	ADP
inlawrev-3590	46	10	large	large	ADJ
inlawrev-3590	46	11	-	-	PUNCT
inlawrev-3590	46	12	scale	scale	NOUN
inlawrev-3590	46	13	,	,	PUNCT
inlawrev-3590	46	14	catastrophic	catastrophic	ADJ
inlawrev-3590	46	15	terrorist	terrorist	ADJ
inlawrev-3590	46	16	acts	act	NOUN
inlawrev-3590	46	17	,	,	PUNCT
inlawrev-3590	46	18	such	such	ADJ
inlawrev-3590	46	19	as	as	ADP
inlawrev-3590	46	20	the	the	DET
inlawrev-3590	46	21	detonation	detonation	NOUN
inlawrev-3590	46	22	of	of	ADP
inlawrev-3590	46	23	nuclear	nuclear	ADJ
inlawrev-3590	46	24	weapons	weapon	NOUN
inlawrev-3590	46	25	in	in	ADP
inlawrev-3590	46	26	major	major	ADJ
inlawrev-3590	46	27	cities	city	NOUN
inlawrev-3590	46	28	.	.	PUNCT
inlawrev-3590	47	1	to	to	PART
inlawrev-3590	47	2	be	be	AUX
inlawrev-3590	47	3	sure	sure	ADJ
inlawrev-3590	47	4	,	,	PUNCT
inlawrev-3590	47	5	these	these	DET
inlawrev-3590	47	6	types	type	NOUN
inlawrev-3590	47	7	of	of	ADP
inlawrev-3590	47	8	events	event	NOUN
inlawrev-3590	47	9	will	will	AUX
inlawrev-3590	47	10	likely	likely	ADV
inlawrev-3590	47	11	remain	remain	VERB
inlawrev-3590	47	12	uninsurable	uninsurable	ADJ
inlawrev-3590	47	13	.	.	PUNCT
inlawrev-3590	48	1	but	but	CCONJ
inlawrev-3590	48	2	that	that	PRON
inlawrev-3590	48	3	has	have	AUX
inlawrev-3590	48	4	always	always	ADV
inlawrev-3590	48	5	been	be	AUX
inlawrev-3590	48	6	the	the	DET
inlawrev-3590	48	7	case	case	NOUN
inlawrev-3590	48	8	.	.	PUNCT
inlawrev-3590	49	1	readers	reader	NOUN
inlawrev-3590	49	2	need	need	AUX
inlawrev-3590	49	3	do	do	VERB
inlawrev-3590	49	4	no	no	PRON
inlawrev-3590	49	5	more	more	ADJ
inlawrev-3590	49	6	than	than	ADP
inlawrev-3590	49	7	glance	glance	NOUN
inlawrev-3590	49	8	at	at	ADP
inlawrev-3590	49	9	their	their	PRON
inlawrev-3590	49	10	homeowners	homeowner	NOUN
inlawrev-3590	49	11	'	'	PART
inlawrev-3590	49	12	policies	policy	NOUN
inlawrev-3590	49	13	for	for	ADP
inlawrev-3590	49	14	evidence	evidence	NOUN
inlawrev-3590	49	15	.	.	PUNCT
inlawrev-3590	50	1	they	they	PRON
inlawrev-3590	50	2	will	will	AUX
inlawrev-3590	50	3	likely	likely	ADV
inlawrev-3590	50	4	fmd	fmd	NOUN
inlawrev-3590	50	5	among	among	ADP
inlawrev-3590	50	6	the	the	DET
inlawrev-3590	50	7	losses	loss	NOUN
inlawrev-3590	50	8	not	not	PART
inlawrev-3590	50	9	insured	insure	VERB
inlawrev-3590	50	10	such	such	ADJ
inlawrev-3590	50	11	items	item	NOUN
inlawrev-3590	50	12	as	as	ADP
inlawrev-3590	50	13	losses	loss	NOUN
inlawrev-3590	50	14	due	due	ADJ
inlawrev-3590	50	15	to	to	ADP
inlawrev-3590	50	16	"	"	PUNCT
inlawrev-3590	50	17	acts	act	NOUN
inlawrev-3590	50	18	of	of	ADP
inlawrev-3590	50	19	war	war	NOUN
inlawrev-3590	50	20	,	,	PUNCT
inlawrev-3590	50	21	"	"	PUNCT
inlawrev-3590	50	22	enumerated	enumerate	VERB
inlawrev-3590	50	23	to	to	PART
inlawrev-3590	50	24	include	include	VERB
inlawrev-3590	50	25	such	such	ADJ
inlawrev-3590	50	26	acts	act	NOUN
inlawrev-3590	50	27	as	as	ADP
inlawrev-3590	50	28	the	the	DET
inlawrev-3590	50	29	discharge	discharge	NOUN
inlawrev-3590	50	30	ofa	ofa	PROPN
inlawrev-3590	50	31	nuclear	nuclear	ADJ
inlawrev-3590	50	32	weapon	weapon	NOUN
inlawrev-3590	50	33	.	.	PUNCT
inlawrev-3590	51	1	similarly	similarly	ADV
inlawrev-3590	51	2	,	,	PUNCT
inlawrev-3590	51	3	losses	loss	NOUN
inlawrev-3590	51	4	due	due	ADJ
inlawrev-3590	51	5	to	to	ADP
inlawrev-3590	51	6	nuclear	nuclear	ADJ
inlawrev-3590	51	7	hazard	hazard	NOUN
inlawrev-3590	51	8	are	be	AUX
inlawrev-3590	51	9	likely	likely	ADV
inlawrev-3590	51	10	excluded	exclude	VERB
inlawrev-3590	51	11	from	from	ADP
inlawrev-3590	51	12	coverage.^	coverage.^	NOUN
inlawrev-3590	51	13	as	as	SCONJ
inlawrev-3590	51	14	we	we	PRON
inlawrev-3590	51	15	discuss	discuss	VERB
inlawrev-3590	51	16	further	far	ADV
inlawrev-3590	51	17	below	below	ADV
inlawrev-3590	51	18	,	,	PUNCT
inlawrev-3590	51	19	it	it	PRON
inlawrev-3590	51	20	is	be	AUX
inlawrev-3590	51	21	not	not	PART
inlawrev-3590	51	22	difficult	difficult	ADJ
inlawrev-3590	51	23	to	to	PART
inlawrev-3590	51	24	understand	understand	VERB
inlawrev-3590	51	25	why	why	SCONJ
inlawrev-3590	51	26	private	private	ADJ
inlawrev-3590	51	27	insurers	insurer	NOUN
inlawrev-3590	51	28	do	do	AUX
inlawrev-3590	51	29	not	not	PART
inlawrev-3590	51	30	cover	cover	VERB
inlawrev-3590	51	31	such	such	ADJ
inlawrev-3590	51	32	losses	loss	NOUN
inlawrev-3590	51	33	.	.	PUNCT
inlawrev-3590	52	1	the	the	DET
inlawrev-3590	52	2	essence	essence	NOUN
inlawrev-3590	52	3	of	of	ADP
inlawrev-3590	52	4	insurance	insurance	NOUN
inlawrev-3590	52	5	is	be	AUX
inlawrev-3590	52	6	risk	risk	NOUN
inlawrev-3590	52	7	pooling	pooling	NOUN
inlawrev-3590	52	8	and	and	CCONJ
inlawrev-3590	52	9	diversification	diversification	NOUN
inlawrev-3590	52	10	,	,	PUNCT
inlawrev-3590	52	11	so	so	SCONJ
inlawrev-3590	52	12	that	that	SCONJ
inlawrev-3590	52	13	aggregate	aggregate	ADJ
inlawrev-3590	52	14	losses	loss	NOUN
inlawrev-3590	52	15	become	become	VERB
inlawrev-3590	52	16	predictable	predictable	ADJ
inlawrev-3590	52	17	and	and	CCONJ
inlawrev-3590	52	18	insurers	insurer	NOUN
inlawrev-3590	52	19	can	can	AUX
inlawrev-3590	52	20	have	have	VERB
inlawrev-3590	52	21	a	a	DET
inlawrev-3590	52	22	high	high	ADJ
inlawrev-3590	52	23	degree	degree	NOUN
inlawrev-3590	52	24	of	of	ADP
inlawrev-3590	52	25	confidence	confidence	NOUN
inlawrev-3590	52	26	that	that	SCONJ
inlawrev-3590	52	27	their	their	PRON
inlawrev-3590	52	28	premiums	premium	NOUN
inlawrev-3590	52	29	and	and	CCONJ
inlawrev-3590	52	30	investment	investment	NOUN
inlawrev-3590	52	31	income	income	NOUN
inlawrev-3590	52	32	will	will	AUX
inlawrev-3590	52	33	cover	cover	VERB
inlawrev-3590	52	34	their	their	PRON
inlawrev-3590	52	35	loss	loss	NOUN
inlawrev-3590	52	36	payouts	payout	NOUN
inlawrev-3590	52	37	and	and	CCONJ
inlawrev-3590	52	38	expenses	expense	NOUN
inlawrev-3590	52	39	.	.	PUNCT
inlawrev-3590	53	1	coverage	coverage	NOUN
inlawrev-3590	53	2	for	for	ADP
inlawrev-3590	53	3	the	the	DET
inlawrev-3590	53	4	rare	rare	ADJ
inlawrev-3590	53	5	but	but	CCONJ
inlawrev-3590	53	6	massive	massive	ADJ
inlawrev-3590	53	7	losses	loss	NOUN
inlawrev-3590	53	8	that	that	PRON
inlawrev-3590	53	9	threaten	threaten	VERB
inlawrev-3590	53	10	insurers	insurer	NOUN
inlawrev-3590	53	11	with	with	ADP
inlawrev-3590	53	12	insolvency	insolvency	NOUN
inlawrev-3590	53	13	will	will	AUX
inlawrev-3590	53	14	only	only	ADV
inlawrev-3590	53	15	be	be	AUX
inlawrev-3590	53	16	offered	offer	VERB
inlawrev-3590	53	17	(	(	PUNCT
inlawrev-3590	53	18	if	if	SCONJ
inlawrev-3590	53	19	at	at	ADV
inlawrev-3590	53	20	all	all	ADV
inlawrev-3590	53	21	)	)	PUNCT
inlawrev-3590	53	22	at	at	ADP
inlawrev-3590	53	23	a	a	DET
inlawrev-3590	53	24	hefty	hefty	ADJ
inlawrev-3590	53	25	premium	premium	NOUN
inlawrev-3590	53	26	above	above	ADP
inlawrev-3590	53	27	their	their	PRON
inlawrev-3590	53	28	actuarial	actuarial	ADJ
inlawrev-3590	53	29	value	value	NOUN
inlawrev-3590	53	30	,	,	PUNCT
inlawrev-3590	53	31	a	a	DET
inlawrev-3590	53	32	premium	premium	NOUN
inlawrev-3590	53	33	that	that	PRON
inlawrev-3590	53	34	insureds	insured	NOUN
inlawrev-3590	53	35	will	will	AUX
inlawrev-3590	53	36	likely	likely	ADV
inlawrev-3590	53	37	find	find	VERB
inlawrev-3590	53	38	excessive	excessive	ADJ
inlawrev-3590	53	39	in	in	ADP
inlawrev-3590	53	40	relation	relation	NOUN
inlawrev-3590	53	41	to	to	ADP
inlawrev-3590	53	42	their	their	PRON
inlawrev-3590	53	43	willingness	willingness	NOUN
inlawrev-3590	53	44	to	to	PART
inlawrev-3590	53	45	pay	pay	VERB
inlawrev-3590	53	46	to	to	PART
inlawrev-3590	53	47	lay	lay	VERB
inlawrev-3590	53	48	off	off	ADP
inlawrev-3590	53	49	risk	risk	NOUN
inlawrev-3590	53	50	,	,	PUNCT
inlawrev-3590	53	51	and	and	CCONJ
inlawrev-3590	53	52	doubly	doubly	ADV
inlawrev-3590	53	53	so	so	ADV
inlawrev-3590	53	54	if	if	SCONJ
inlawrev-3590	53	55	insurer	insurer	NOUN
inlawrev-3590	53	56	default	default	NOUN
inlawrev-3590	53	57	is	be	AUX
inlawrev-3590	53	58	a	a	DET
inlawrev-3590	53	59	concern	concern	NOUN
inlawrev-3590	53	60	.	.	PUNCT
inlawrev-3590	54	1	if	if	SCONJ
inlawrev-3590	54	2	the	the	DET
inlawrev-3590	54	3	private	private	ADJ
inlawrev-3590	54	4	market	market	NOUN
inlawrev-3590	54	5	lacks	lack	VERB
inlawrev-3590	54	6	the	the	DET
inlawrev-3590	54	7	capital	capital	NOUN
inlawrev-3590	54	8	to	to	PART
inlawrev-3590	54	9	write	write	VERB
inlawrev-3590	54	10	coverage	coverage	NOUN
inlawrev-3590	54	11	for	for	ADP
inlawrev-3590	54	12	these	these	DET
inlawrev-3590	54	13	large	large	ADJ
inlawrev-3590	54	14	and	and	CCONJ
inlawrev-3590	54	15	nondiversifiable	nondiversifiable	ADJ
inlawrev-3590	54	16	losses	loss	NOUN
inlawrev-3590	54	17	,	,	PUNCT
inlawrev-3590	54	18	should	should	AUX
inlawrev-3590	54	19	the	the	DET
inlawrev-3590	54	20	government	government	NOUN
inlawrev-3590	54	21	step	step	VERB
inlawrev-3590	54	22	in	in	ADV
inlawrev-3590	54	23	to	to	PART
inlawrev-3590	54	24	supply	supply	VERB
inlawrev-3590	54	25	it	it	PRON
inlawrev-3590	54	26	?	?	PUNCT
inlawrev-3590	55	1	the	the	DET
inlawrev-3590	55	2	short	short	ADJ
inlawrev-3590	55	3	answer	answer	NOUN
inlawrev-3590	55	4	is	be	AUX
inlawrev-3590	55	5	that	that	SCONJ
inlawrev-3590	55	6	the	the	DET
inlawrev-3590	55	7	government	government	NOUN
inlawrev-3590	55	8	does	do	AUX
inlawrev-3590	55	9	supply	supply	VERB
inlawrev-3590	55	10	it	it	PRON
inlawrev-3590	55	11	in	in	ADP
inlawrev-3590	55	12	a	a	DET
inlawrev-3590	55	13	sense	sense	NOUN
inlawrev-3590	55	14	,	,	PUNCT
inlawrev-3590	55	15	although	although	SCONJ
inlawrev-3590	55	16	not	not	PART
inlawrev-3590	55	17	through	through	ADP
inlawrev-3590	55	18	formal	formal	ADJ
inlawrev-3590	55	19	insurance	insurance	NOUN
inlawrev-3590	55	20	contracts	contract	NOUN
inlawrev-3590	55	21	.	.	PUNCT
inlawrev-3590	56	1	federal	federal	ADJ
inlawrev-3590	56	2	aid	aid	NOUN
inlawrev-3590	56	3	to	to	ADP
inlawrev-3590	56	4	new	new	PROPN
inlawrev-3590	56	5	york	york	PROPN
inlawrev-3590	56	6	city	city	PROPN
inlawrev-3590	56	7	following	follow	VERB
inlawrev-3590	56	8	the	the	DET
inlawrev-3590	56	9	recent	recent	ADJ
inlawrev-3590	56	10	terrorist	terrorist	ADJ
inlawrev-3590	56	11	attacks	attack	NOUN
inlawrev-3590	56	12	was	be	AUX
inlawrev-3590	56	13	authorized	authorize	VERB
inlawrev-3590	56	14	at	at	ADP
inlawrev-3590	56	15	about	about	ADV
inlawrev-3590	56	16	$	$	SYM
inlawrev-3590	56	17	25	25	NUM
inlawrev-3590	56	18	billion	billion	NUM
inlawrev-3590	56	19	.	.	PUNCT
inlawrev-3590	57	1	a	a	DET
inlawrev-3590	57	2	compensation	compensation	NOUN
inlawrev-3590	57	3	fund	fund	NOUN
inlawrev-3590	57	4	for	for	ADP
inlawrev-3590	57	5	victims	victim	NOUN
inlawrev-3590	57	6	has	have	AUX
inlawrev-3590	57	7	been	be	AUX
inlawrev-3590	57	8	established	establish	VERB
inlawrev-3590	57	9	that	that	PRON
inlawrev-3590	57	10	will	will	AUX
inlawrev-3590	57	11	ensure	ensure	VERB
inlawrev-3590	57	12	each	each	DET
inlawrev-3590	57	13	decedent	decedent	NOUN
inlawrev-3590	57	14	's	's	PART
inlawrev-3590	57	15	estate	estate	NOUN
inlawrev-3590	57	16	a	a	DET
inlawrev-3590	57	17	six	six	NUM
inlawrev-3590	57	18	or	or	CCONJ
inlawrev-3590	57	19	seven	seven	NUM
inlawrev-3590	57	20	figure	figure	NOUN
inlawrev-3590	57	21	payment	payment	NOUN
inlawrev-3590	57	22	.	.	PUNCT
inlawrev-3590	58	1	more	more	ADV
inlawrev-3590	58	2	generally	generally	ADV
inlawrev-3590	58	3	,	,	PUNCT
inlawrev-3590	58	4	one	one	PRON
inlawrev-3590	58	5	would	would	AUX
inlawrev-3590	58	6	be	be	AUX
inlawrev-3590	58	7	hard	hard	ADV
inlawrev-3590	58	8	-	-	PUNCT
inlawrev-3590	58	9	pressed	pressed	ADJ
inlawrev-3590	58	10	to	to	PART
inlawrev-3590	58	11	identify	identify	VERB
inlawrev-3590	58	12	any	any	DET
inlawrev-3590	58	13	large	large	ADJ
inlawrev-3590	58	14	scale	scale	NOUN
inlawrev-3590	58	15	domestic	domestic	ADJ
inlawrev-3590	58	16	catastrophe	catastrophe	NOUN
inlawrev-3590	58	17	in	in	ADP
inlawrev-3590	58	18	modem	modem	PROPN
inlawrev-3590	58	19	times	time	NOUN
inlawrev-3590	58	20	—	—	PUNCT
inlawrev-3590	58	21	whether	whether	SCONJ
inlawrev-3590	58	22	flood	flood	NOUN
inlawrev-3590	58	23	,	,	PUNCT
inlawrev-3590	58	24	earthquake	earthquake	NOUN
inlawrev-3590	58	25	,	,	PUNCT
inlawrev-3590	58	26	volcanic	volcanic	ADJ
inlawrev-3590	58	27	eruption	eruption	NOUN
inlawrev-3590	58	28	,	,	PUNCT
inlawrev-3590	58	29	or	or	CCONJ
inlawrev-3590	58	30	hurricane—^where	hurricane—^where	ADV
inlawrev-3590	58	31	the	the	DET
inlawrev-3590	58	32	federal	federal	ADJ
inlawrev-3590	58	33	government	government	NOUN
inlawrev-3590	58	34	did	do	AUX
inlawrev-3590	58	35	not	not	PART
inlawrev-3590	58	36	offer	offer	VERB
inlawrev-3590	58	37	considerable	considerable	ADJ
inlawrev-3590	58	38	aid	aid	NOUN
inlawrev-3590	58	39	after	after	ADP
inlawrev-3590	58	40	the	the	DET
inlawrev-3590	58	41	fact	fact	NOUN
inlawrev-3590	58	42	.	.	PUNCT
inlawrev-3590	59	1	the	the	DET
inlawrev-3590	59	2	question	question	NOUN
inlawrev-3590	59	3	then	then	ADV
inlawrev-3590	59	4	becomes	become	VERB
inlawrev-3590	59	5	a	a	DET
inlawrev-3590	59	6	more	more	ADV
inlawrev-3590	59	7	subtle	subtle	ADJ
inlawrev-3590	59	8	one	one	NUM
inlawrev-3590	59	9	—	—	PUNCT
inlawrev-3590	59	10	should	should	AUX
inlawrev-3590	59	11	the	the	DET
inlawrev-3590	59	12	government	government	NOUN
inlawrev-3590	59	13	enter	enter	VERB
inlawrev-3590	59	14	7	7	NUM
inlawrev-3590	59	15	.	.	PUNCT
inlawrev-3590	60	1	one	one	NUM
inlawrev-3590	60	2	of	of	ADP
inlawrev-3590	60	3	the	the	DET
inlawrev-3590	60	4	authors	author	NOUN
inlawrev-3590	60	5	'	'	PART
inlawrev-3590	60	6	illinois	illinois	PROPN
inlawrev-3590	60	7	state	state	PROPN
inlawrev-3590	60	8	farm	farm	NOUN
inlawrev-3590	60	9	homeowner	homeowner	NOUN
inlawrev-3590	60	10	's	's	PART
inlawrev-3590	60	11	policy	policy	NOUN
inlawrev-3590	60	12	contains	contain	VERB
inlawrev-3590	60	13	all	all	PRON
inlawrev-3590	60	14	of	of	ADP
inlawrev-3590	60	15	these	these	DET
inlawrev-3590	60	16	exclusions	exclusion	NOUN
inlawrev-3590	60	17	(	(	PUNCT
inlawrev-3590	60	18	on	on	ADP
inlawrev-3590	60	19	file	file	NOUN
inlawrev-3590	60	20	with	with	ADP
inlawrev-3590	60	21	author	author	NOUN
inlawrev-3590	60	22	)	)	PUNCT
inlawrev-3590	60	23	.	.	PUNCT
inlawrev-3590	61	1	450	450	NUM
inlawrev-3590	61	2	indiana	indiana	PROPN
inlawrev-3590	61	3	law	law	NOUN
inlawrev-3590	61	4	review	review	NOUN
inlawrev-3590	61	5	[	[	X
inlawrev-3590	61	6	vol	vol	NOUN
inlawrev-3590	61	7	.	.	PUNCT
inlawrev-3590	61	8	36:447	36:447	NUM
inlawrev-3590	61	9	the	the	DET
inlawrev-3590	61	10	insurance	insurance	NOUN
inlawrev-3590	61	11	market	market	NOUN
inlawrev-3590	61	12	ex	ex	X
inlawrev-3590	61	13	ante	ante	NOUN
inlawrev-3590	61	14	and	and	CCONJ
inlawrev-3590	61	15	commit	commit	VERB
inlawrev-3590	61	16	itself	itself	PRON
inlawrev-3590	61	17	contractually	contractually	ADV
inlawrev-3590	61	18	to	to	PART
inlawrev-3590	61	19	cover	cover	VERB
inlawrev-3590	61	20	particular	particular	ADJ
inlawrev-3590	61	21	losses	loss	NOUN
inlawrev-3590	61	22	relating	relate	VERB
inlawrev-3590	61	23	to	to	ADP
inlawrev-3590	61	24	terrorism	terrorism	NOUN
inlawrev-3590	61	25	,	,	PUNCT
inlawrev-3590	61	26	or	or	CCONJ
inlawrev-3590	61	27	should	should	AUX
inlawrev-3590	61	28	it	it	PRON
inlawrev-3590	61	29	instead	instead	ADV
inlawrev-3590	61	30	rely	rely	VERB
inlawrev-3590	61	31	on	on	ADP
inlawrev-3590	61	32	the	the	DET
inlawrev-3590	61	33	private	private	ADJ
inlawrev-3590	61	34	market	market	NOUN
inlawrev-3590	61	35	to	to	PART
inlawrev-3590	61	36	insure	insure	VERB
inlawrev-3590	61	37	the	the	DET
inlawrev-3590	61	38	diversifiable	diversifiable	ADJ
inlawrev-3590	61	39	losses	loss	NOUN
inlawrev-3590	61	40	and	and	CCONJ
inlawrev-3590	61	41	step	step	VERB
inlawrev-3590	61	42	in	in	ADV
inlawrev-3590	61	43	with	with	ADP
inlawrev-3590	61	44	an	an	DET
inlawrev-3590	61	45	appropriate	appropriate	ADJ
inlawrev-3590	61	46	aid	aid	NOUN
inlawrev-3590	61	47	package	package	NOUN
inlawrev-3590	61	48	ex	ex	PRON
inlawrev-3590	61	49	post	post	NOUN
inlawrev-3590	61	50	in	in	ADP
inlawrev-3590	61	51	the	the	DET
inlawrev-3590	61	52	event	event	NOUN
inlawrev-3590	61	53	of	of	ADP
inlawrev-3590	61	54	something	something	PRON
inlawrev-3590	61	55	catastrophic	catastrophic	ADJ
inlawrev-3590	61	56	and	and	CCONJ
inlawrev-3590	61	57	uninsured	uninsured	ADJ
inlawrev-3590	61	58	?	?	PUNCT
inlawrev-3590	62	1	we	we	PRON
inlawrev-3590	62	2	favor	favor	VERB
inlawrev-3590	62	3	the	the	DET
inlawrev-3590	62	4	latter	latter	ADJ
inlawrev-3590	62	5	approach	approach	NOUN
inlawrev-3590	62	6	,	,	PUNCT
inlawrev-3590	62	7	for	for	ADP
inlawrev-3590	62	8	three	three	NUM
inlawrev-3590	62	9	reasons	reason	NOUN
inlawrev-3590	62	10	.	.	PUNCT
inlawrev-3590	63	1	first	first	ADV
inlawrev-3590	63	2	,	,	PUNCT
inlawrev-3590	63	3	past	past	ADJ
inlawrev-3590	63	4	experience	experience	NOUN
inlawrev-3590	63	5	with	with	ADP
inlawrev-3590	63	6	the	the	DET
inlawrev-3590	63	7	government	government	NOUN
inlawrev-3590	63	8	as	as	ADP
inlawrev-3590	63	9	formal	formal	ADJ
inlawrev-3590	63	10	participant	participant	NOUN
inlawrev-3590	63	11	in	in	ADP
inlawrev-3590	63	12	insurance	insurance	NOUN
inlawrev-3590	63	13	markets	market	NOUN
inlawrev-3590	63	14	is	be	AUX
inlawrev-3590	63	15	not	not	PART
inlawrev-3590	63	16	comforting	comforting	ADJ
inlawrev-3590	63	17	.	.	PUNCT
inlawrev-3590	64	1	the	the	DET
inlawrev-3590	64	2	government	government	NOUN
inlawrev-3590	64	3	rarely	rarely	ADV
inlawrev-3590	64	4	prices	price	NOUN
inlawrev-3590	64	5	or	or	CCONJ
inlawrev-3590	64	6	manages	manage	VERB
inlawrev-3590	64	7	risks	risk	NOUN
inlawrev-3590	64	8	as	as	SCONJ
inlawrev-3590	64	9	would	would	AUX
inlawrev-3590	64	10	a	a	DET
inlawrev-3590	64	11	private	private	ADJ
inlawrev-3590	64	12	insurer	insurer	NOUN
inlawrev-3590	64	13	with	with	ADP
inlawrev-3590	64	14	sufficient	sufficient	ADJ
inlawrev-3590	64	15	capital	capital	NOUN
inlawrev-3590	64	16	,	,	PUNCT
inlawrev-3590	64	17	particularly	particularly	ADV
inlawrev-3590	64	18	when	when	SCONJ
inlawrev-3590	64	19	there	there	PRON
inlawrev-3590	64	20	is	be	VERB
inlawrev-3590	64	21	already	already	ADV
inlawrev-3590	64	22	a	a	DET
inlawrev-3590	64	23	large	large	ADJ
inlawrev-3590	64	24	constituency	constituency	NOUN
inlawrev-3590	64	25	of	of	ADP
inlawrev-3590	64	26	policyholders	policyholder	NOUN
inlawrev-3590	64	27	and	and	CCONJ
inlawrev-3590	64	28	creditors	creditor	NOUN
inlawrev-3590	64	29	advocating	advocate	VERB
inlawrev-3590	64	30	more	more	ADJ
inlawrev-3590	64	31	coverage	coverage	NOUN
inlawrev-3590	64	32	at	at	ADP
inlawrev-3590	64	33	lower	low	ADJ
inlawrev-3590	64	34	prices	price	NOUN
inlawrev-3590	64	35	.	.	PUNCT
inlawrev-3590	65	1	the	the	DET
inlawrev-3590	65	2	result	result	NOUN
inlawrev-3590	65	3	is	be	AUX
inlawrev-3590	65	4	a	a	DET
inlawrev-3590	65	5	mix	mix	NOUN
inlawrev-3590	65	6	of	of	ADP
inlawrev-3590	65	7	subsidies	subsidy	NOUN
inlawrev-3590	65	8	,	,	PUNCT
inlawrev-3590	65	9	cross	cross	NOUN
inlawrev-3590	65	10	-	-	NOUN
inlawrev-3590	65	11	subsidies	subsidy	NOUN
inlawrev-3590	65	12	,	,	PUNCT
inlawrev-3590	65	13	moral	moral	ADJ
inlawrev-3590	65	14	hazard	hazard	NOUN
inlawrev-3590	65	15	and	and	CCONJ
inlawrev-3590	65	16	adverse	adverse	ADJ
inlawrev-3590	65	17	selection	selection	NOUN
inlawrev-3590	65	18	that	that	PRON
inlawrev-3590	65	19	distort	distort	VERB
inlawrev-3590	65	20	behavior	behavior	NOUN
inlawrev-3590	65	21	,	,	PUNCT
inlawrev-3590	65	22	as	as	ADV
inlawrev-3590	65	23	well	well	ADV
inlawrev-3590	65	24	as	as	ADP
inlawrev-3590	65	25	improperly	improperly	ADV
inlawrev-3590	65	26	priced	price	VERB
inlawrev-3590	65	27	government	government	NOUN
inlawrev-3590	65	28	insurance	insurance	NOUN
inlawrev-3590	65	29	that	that	PRON
inlawrev-3590	65	30	may	may	AUX
inlawrev-3590	65	31	crowd	crowd	VERB
inlawrev-3590	65	32	out	out	ADP
inlawrev-3590	65	33	efficient	efficient	ADJ
inlawrev-3590	65	34	private	private	ADJ
inlawrev-3590	65	35	insurance	insurance	NOUN
inlawrev-3590	65	36	.	.	PUNCT
inlawrev-3590	66	1	these	these	DET
inlawrev-3590	66	2	distortions	distortion	NOUN
inlawrev-3590	66	3	may	may	AUX
inlawrev-3590	66	4	well	well	ADV
inlawrev-3590	66	5	swamp	swamp	VERB
inlawrev-3590	66	6	any	any	DET
inlawrev-3590	66	7	efficiencies	efficiency	NOUN
inlawrev-3590	66	8	from	from	ADP
inlawrev-3590	66	9	improved	improved	ADJ
inlawrev-3590	66	10	risk	risk	NOUN
inlawrev-3590	66	11	sharing	sharing	NOUN
inlawrev-3590	66	12	.	.	PUNCT
inlawrev-3590	67	1	the	the	DET
inlawrev-3590	67	2	"	"	PUNCT
inlawrev-3590	67	3	terrorism	terrorism	NOUN
inlawrev-3590	67	4	risk	risk	NOUN
inlawrev-3590	67	5	insurance	insurance	NOUN
inlawrev-3590	67	6	act	act	NOUN
inlawrev-3590	67	7	of	of	ADP
inlawrev-3590	67	8	2002	2002	NUM
inlawrev-3590	67	9	,	,	PUNCT
inlawrev-3590	67	10	"	"	PUNCT
inlawrev-3590	67	11	passed	pass	VERB
inlawrev-3590	67	12	by	by	ADP
inlawrev-3590	67	13	both	both	DET
inlawrev-3590	67	14	houses	house	NOUN
inlawrev-3590	67	15	of	of	ADP
inlawrev-3590	67	16	congress	congress	PROPN
inlawrev-3590	67	17	in	in	ADP
inlawrev-3590	67	18	november	november	PROPN
inlawrev-3590	67	19	2002	2002	NUM
inlawrev-3590	67	20	,	,	PUNCT
inlawrev-3590	67	21	is	be	AUX
inlawrev-3590	67	22	illustrative	illustrative	ADJ
inlawrev-3590	67	23	of	of	ADP
inlawrev-3590	67	24	the	the	DET
inlawrev-3590	67	25	problem—^the	problem—^the	DET
inlawrev-3590	67	26	government	government	NOUN
inlawrev-3590	67	27	will	will	AUX
inlawrev-3590	67	28	simply	simply	ADV
inlawrev-3590	67	29	assume	assume	VERB
inlawrev-3590	67	30	the	the	DET
inlawrev-3590	67	31	losses	loss	NOUN
inlawrev-3590	67	32	incurred	incur	VERB
inlawrev-3590	67	33	above	above	ADP
inlawrev-3590	67	34	a	a	DET
inlawrev-3590	67	35	certain	certain	ADJ
inlawrev-3590	67	36	(	(	PUNCT
inlawrev-3590	67	37	rather	rather	ADV
inlawrev-3590	67	38	low	low	ADJ
inlawrev-3590	67	39	)	)	PUNCT
inlawrev-3590	67	40	aggregate	aggregate	NOUN
inlawrev-3590	67	41	,	,	PUNCT
inlawrev-3590	67	42	charging	charge	VERB
inlawrev-3590	67	43	nothing	nothing	PRON
inlawrev-3590	67	44	for	for	ADP
inlawrev-3590	67	45	that	that	DET
inlawrev-3590	67	46	protection	protection	NOUN
inlawrev-3590	67	47	and	and	CCONJ
inlawrev-3590	67	48	thereby	thereby	ADV
inlawrev-3590	67	49	subsidizing	subsidize	VERB
inlawrev-3590	67	50	insurers	insurer	NOUN
inlawrev-3590	67	51	who	who	PRON
inlawrev-3590	67	52	have	have	AUX
inlawrev-3590	67	53	already	already	ADV
inlawrev-3590	67	54	sold	sell	VERB
inlawrev-3590	67	55	policies	policy	NOUN
inlawrev-3590	67	56	on	on	ADP
inlawrev-3590	67	57	the	the	DET
inlawrev-3590	67	58	premise	premise	NOUN
inlawrev-3590	67	59	that	that	SCONJ
inlawrev-3590	67	60	they	they	PRON
inlawrev-3590	67	61	would	would	AUX
inlawrev-3590	67	62	have	have	AUX
inlawrev-3590	67	63	to	to	PART
inlawrev-3590	67	64	cover	cover	VERB
inlawrev-3590	67	65	at	at	ADP
inlawrev-3590	67	66	least	least	ADJ
inlawrev-3590	67	67	some	some	PRON
inlawrev-3590	67	68	of	of	ADP
inlawrev-3590	67	69	those	those	DET
inlawrev-3590	67	70	losses	loss	NOUN
inlawrev-3590	67	71	.	.	PUNCT
inlawrev-3590	68	1	*	*	PUNCT
inlawrev-3590	68	2	although	although	SCONJ
inlawrev-3590	68	3	this	this	DET
inlawrev-3590	68	4	program	program	NOUN
inlawrev-3590	68	5	is	be	AUX
inlawrev-3590	68	6	ostensibly	ostensibly	ADV
inlawrev-3590	68	7	"	"	PUNCT
inlawrev-3590	68	8	temporary	temporary	ADJ
inlawrev-3590	68	9	,	,	PUNCT
inlawrev-3590	68	10	"	"	PUNCT
inlawrev-3590	68	11	political	political	ADJ
inlawrev-3590	68	12	pressures	pressure	NOUN
inlawrev-3590	68	13	to	to	PART
inlawrev-3590	68	14	leave	leave	VERB
inlawrev-3590	68	15	this	this	DET
inlawrev-3590	68	16	subsidy	subsidy	NOUN
inlawrev-3590	68	17	in	in	ADP
inlawrev-3590	68	18	place	place	NOUN
inlawrev-3590	68	19	may	may	AUX
inlawrev-3590	68	20	prove	prove	VERB
inlawrev-3590	68	21	irresistible	irresistible	ADJ
inlawrev-3590	68	22	.	.	PUNCT
inlawrev-3590	69	1	the	the	DET
inlawrev-3590	69	2	beneficiaries	beneficiary	NOUN
inlawrev-3590	69	3	are	be	AUX
inlawrev-3590	69	4	well	well	ADV
inlawrev-3590	69	5	-	-	PUNCT
inlawrev-3590	69	6	organized	organize	VERB
inlawrev-3590	69	7	groups	group	NOUN
inlawrev-3590	69	8	of	of	ADP
inlawrev-3590	69	9	insurers	insurer	NOUN
inlawrev-3590	69	10	,	,	PUNCT
inlawrev-3590	69	11	real	real	ADJ
inlawrev-3590	69	12	estate	estate	NOUN
inlawrev-3590	69	13	developers	developer	NOUN
inlawrev-3590	69	14	,	,	PUNCT
inlawrev-3590	69	15	and	and	CCONJ
inlawrev-3590	69	16	the	the	DET
inlawrev-3590	69	17	like	like	ADJ
inlawrev-3590	69	18	,	,	PUNCT
inlawrev-3590	69	19	while	while	SCONJ
inlawrev-3590	69	20	the	the	DET
inlawrev-3590	69	21	losers	loser	NOUN
inlawrev-3590	69	22	are	be	AUX
inlawrev-3590	69	23	the	the	DET
inlawrev-3590	69	24	diffusely	diffusely	ADV
inlawrev-3590	69	25	organized	organize	VERB
inlawrev-3590	69	26	and	and	CCONJ
inlawrev-3590	69	27	perhaps	perhaps	ADV
inlawrev-3590	69	28	poorly	poorly	ADV
inlawrev-3590	69	29	-	-	PUNCT
inlawrev-3590	69	30	informed	inform	VERB
inlawrev-3590	69	31	group	group	NOUN
inlawrev-3590	69	32	of	of	ADP
inlawrev-3590	69	33	taxpayers	taxpayer	NOUN
inlawrev-3590	69	34	at	at	ADP
inlawrev-3590	69	35	large	large	ADJ
inlawrev-3590	69	36	.	.	PUNCT
inlawrev-3590	70	1	second	second	ADV
inlawrev-3590	70	2	,	,	PUNCT
inlawrev-3590	70	3	given	give	VERB
inlawrev-3590	70	4	past	past	ADJ
inlawrev-3590	70	5	experience	experience	NOUN
inlawrev-3590	70	6	with	with	ADP
inlawrev-3590	70	7	government	government	NOUN
inlawrev-3590	70	8	accumulation	accumulation	NOUN
inlawrev-3590	70	9	of	of	ADP
inlawrev-3590	70	10	funds	fund	NOUN
inlawrev-3590	70	11	for	for	ADP
inlawrev-3590	70	12	future	future	ADJ
inlawrev-3590	70	13	disbursement	disbursement	NOUN
inlawrev-3590	70	14	,	,	PUNCT
inlawrev-3590	70	15	there	there	PRON
inlawrev-3590	70	16	is	be	VERB
inlawrev-3590	70	17	little	little	ADJ
inlawrev-3590	70	18	reason	reason	NOUN
inlawrev-3590	70	19	to	to	PART
inlawrev-3590	70	20	think	think	VERB
inlawrev-3590	70	21	that	that	SCONJ
inlawrev-3590	70	22	such	such	ADJ
inlawrev-3590	70	23	funds	fund	NOUN
inlawrev-3590	70	24	would	would	AUX
inlawrev-3590	70	25	be	be	AUX
inlawrev-3590	70	26	treated	treat	VERB
inlawrev-3590	70	27	much	much	ADV
inlawrev-3590	70	28	differently	differently	ADV
inlawrev-3590	70	29	than	than	ADP
inlawrev-3590	70	30	general	general	ADJ
inlawrev-3590	70	31	revenues	revenue	NOUN
inlawrev-3590	70	32	.	.	PUNCT
inlawrev-3590	71	1	if	if	SCONJ
inlawrev-3590	71	2	insurance	insurance	NOUN
inlawrev-3590	71	3	premiums	premium	NOUN
inlawrev-3590	71	4	would	would	AUX
inlawrev-3590	71	5	likely	likely	ADV
inlawrev-3590	71	6	be	be	AUX
inlawrev-3590	71	7	based	base	VERB
inlawrev-3590	71	8	on	on	ADP
inlawrev-3590	71	9	political	political	ADJ
inlawrev-3590	71	10	rather	rather	ADV
inlawrev-3590	71	11	than	than	ADP
inlawrev-3590	71	12	economic	economic	ADJ
inlawrev-3590	71	13	considerations	consideration	NOUN
inlawrev-3590	71	14	,	,	PUNCT
inlawrev-3590	71	15	and	and	CCONJ
inlawrev-3590	71	16	if	if	SCONJ
inlawrev-3590	71	17	accumulated	accumulate	VERB
inlawrev-3590	71	18	premium	premium	NOUN
inlawrev-3590	71	19	revenues	revenue	NOUN
inlawrev-3590	71	20	would	would	AUX
inlawrev-3590	71	21	be	be	AUX
inlawrev-3590	71	22	treated	treat	VERB
inlawrev-3590	71	23	as	as	ADP
inlawrev-3590	71	24	fungible	fungible	ADJ
inlawrev-3590	71	25	with	with	ADP
inlawrev-3590	71	26	other	other	ADJ
inlawrev-3590	71	27	revenue	revenue	NOUN
inlawrev-3590	71	28	sources	source	NOUN
inlawrev-3590	71	29	,	,	PUNCT
inlawrev-3590	71	30	we	we	PRON
inlawrev-3590	71	31	see	see	VERB
inlawrev-3590	71	32	little	little	ADJ
inlawrev-3590	71	33	reason	reason	NOUN
inlawrev-3590	71	34	to	to	PART
inlawrev-3590	71	35	set	set	VERB
inlawrev-3590	71	36	up	up	ADP
inlawrev-3590	71	37	a	a	DET
inlawrev-3590	71	38	new	new	ADJ
inlawrev-3590	71	39	apparatus	apparatus	NOUN
inlawrev-3590	71	40	for	for	ADP
inlawrev-3590	71	41	the	the	DET
inlawrev-3590	71	42	collection	collection	NOUN
inlawrev-3590	71	43	of	of	ADP
inlawrev-3590	71	44	insurance	insurance	NOUN
inlawrev-3590	71	45	premiums	premium	NOUN
inlawrev-3590	71	46	.	.	PUNCT
inlawrev-3590	72	1	finally	finally	ADV
inlawrev-3590	72	2	,	,	PUNCT
inlawrev-3590	72	3	in	in	ADP
inlawrev-3590	72	4	the	the	DET
inlawrev-3590	72	5	event	event	NOUN
inlawrev-3590	72	6	of	of	ADP
inlawrev-3590	72	7	the	the	DET
inlawrev-3590	72	8	most	most	ADV
inlawrev-3590	72	9	catastrophic	catastrophic	ADJ
inlawrev-3590	72	10	type	type	NOUN
inlawrev-3590	72	11	of	of	ADP
inlawrev-3590	72	12	terrorist	terrorist	ADJ
inlawrev-3590	72	13	attack	attack	NOUN
inlawrev-3590	72	14	,	,	PUNCT
inlawrev-3590	72	15	governmental	governmental	ADJ
inlawrev-3590	72	16	resources	resource	NOUN
inlawrev-3590	72	17	may	may	AUX
inlawrev-3590	72	18	be	be	AUX
inlawrev-3590	72	19	severely	severely	ADV
inlawrev-3590	72	20	strained	strain	VERB
inlawrev-3590	72	21	.	.	PUNCT
inlawrev-3590	73	1	it	it	PRON
inlawrev-3590	73	2	is	be	AUX
inlawrev-3590	73	3	by	by	ADP
inlawrev-3590	73	4	no	no	DET
inlawrev-3590	73	5	means	means	NOUN
inlawrev-3590	73	6	clear	clear	ADJ
inlawrev-3590	73	7	that	that	SCONJ
inlawrev-3590	73	8	ex	ex	PRON
inlawrev-3590	73	9	ante	ante	NOUN
inlawrev-3590	73	10	arrangements	arrangement	NOUN
inlawrev-3590	73	11	committing	commit	VERB
inlawrev-3590	73	12	scarce	scarce	ADJ
inlawrev-3590	73	13	resources	resource	NOUN
inlawrev-3590	73	14	to	to	ADP
inlawrev-3590	73	15	particular	particular	ADJ
inlawrev-3590	73	16	property	property	NOUN
inlawrev-3590	73	17	owners	owner	NOUN
inlawrev-3590	73	18	will	will	AUX
inlawrev-3590	73	19	allocate	allocate	VERB
inlawrev-3590	73	20	those	those	DET
inlawrev-3590	73	21	resources	resource	NOUN
inlawrev-3590	73	22	most	most	ADV
inlawrev-3590	73	23	efficiently	efficiently	ADV
inlawrev-3590	73	24	even	even	ADV
inlawrev-3590	73	25	with	with	ADP
inlawrev-3590	73	26	a	a	DET
inlawrev-3590	73	27	$	$	SYM
inlawrev-3590	73	28	100	100	NUM
inlawrev-3590	73	29	billion	billion	NUM
inlawrev-3590	73	30	cap	cap	NOUN
inlawrev-3590	73	31	on	on	ADP
inlawrev-3590	73	32	federal	federal	ADJ
inlawrev-3590	73	33	payments	payment	NOUN
inlawrev-3590	73	34	as	as	SCONJ
inlawrev-3590	73	35	enacted	enact	VERB
inlawrev-3590	73	36	..	..	PUNCT
inlawrev-3590	73	37	in	in	ADP
inlawrev-3590	73	38	offering	offer	VERB
inlawrev-3590	73	39	these	these	DET
inlawrev-3590	73	40	tentative	tentative	ADJ
inlawrev-3590	73	41	judgments	judgment	NOUN
inlawrev-3590	73	42	about	about	ADP
inlawrev-3590	73	43	the	the	DET
inlawrev-3590	73	44	wisdom	wisdom	NOUN
inlawrev-3590	73	45	of	of	ADP
inlawrev-3590	73	46	government	government	NOUN
inlawrev-3590	73	47	involvement	involvement	NOUN
inlawrev-3590	73	48	,	,	PUNCT
inlawrev-3590	73	49	we	we	PRON
inlawrev-3590	73	50	are	be	AUX
inlawrev-3590	73	51	not	not	PART
inlawrev-3590	73	52	unmindful	unmindful	ADJ
inlawrev-3590	73	53	of	of	ADP
inlawrev-3590	73	54	the	the	DET
inlawrev-3590	73	55	evidence	evidence	NOUN
inlawrev-3590	73	56	that	that	SCONJ
inlawrev-3590	73	57	a	a	DET
inlawrev-3590	73	58	lack	lack	NOUN
inlawrev-3590	73	59	of	of	ADP
inlawrev-3590	73	60	terrorism	terrorism	NOUN
inlawrev-3590	73	61	coverage	coverage	NOUN
inlawrev-3590	73	62	is	be	AUX
inlawrev-3590	73	63	presently	presently	ADV
inlawrev-3590	73	64	causing	cause	VERB
inlawrev-3590	73	65	genuine	genuine	ADJ
inlawrev-3590	73	66	disruption	disruption	NOUN
inlawrev-3590	73	67	in	in	ADP
inlawrev-3590	73	68	some	some	DET
inlawrev-3590	73	69	markets	market	NOUN
inlawrev-3590	73	70	.	.	PUNCT
inlawrev-3590	74	1	the	the	DET
inlawrev-3590	74	2	press	press	NOUN
inlawrev-3590	74	3	is	be	AUX
inlawrev-3590	74	4	replete	replete	ADJ
inlawrev-3590	74	5	with	with	ADP
inlawrev-3590	74	6	anecdotal	anecdotal	ADJ
inlawrev-3590	74	7	references	reference	NOUN
inlawrev-3590	74	8	to	to	PART
inlawrev-3590	74	9	project	project	NOUN
inlawrev-3590	74	10	financing	financing	NOUN
inlawrev-3590	74	11	that	that	PRON
inlawrev-3590	74	12	is	be	AUX
inlawrev-3590	74	13	on	on	ADP
inlawrev-3590	74	14	hold	hold	NOUN
inlawrev-3590	74	15	because	because	SCONJ
inlawrev-3590	74	16	"	"	PUNCT
inlawrev-3590	74	17	all	all	DET
inlawrev-3590	74	18	risk	risk	NOUN
inlawrev-3590	74	19	"	"	PUNCT
inlawrev-3590	74	20	coverage	coverage	NOUN
inlawrev-3590	74	21	is	be	AUX
inlawrev-3590	74	22	unavailable	unavailable	ADJ
inlawrev-3590	74	23	.	.	PUNCT
inlawrev-3590	75	1	president	president	PROPN
inlawrev-3590	75	2	bush	bush	PROPN
inlawrev-3590	75	3	has	have	AUX
inlawrev-3590	75	4	cited	cite	VERB
inlawrev-3590	75	5	the	the	DET
inlawrev-3590	75	6	example	example	NOUN
inlawrev-3590	75	7	of	of	ADP
inlawrev-3590	75	8	a	a	DET
inlawrev-3590	75	9	large	large	ADJ
inlawrev-3590	75	10	nevada	nevada	PROPN
inlawrev-3590	75	11	resort	resort	NOUN
inlawrev-3590	75	12	development	development	NOUN
inlawrev-3590	75	13	that	that	PRON
inlawrev-3590	75	14	can	can	AUX
inlawrev-3590	75	15	not	not	PART
inlawrev-3590	75	16	obtain	obtain	VERB
inlawrev-3590	75	17	financing	financing	NOUN
inlawrev-3590	75	18	,	,	PUNCT
inlawrev-3590	75	19	and	and	CCONJ
inlawrev-3590	75	20	mortgage	mortgage	NOUN
inlawrev-3590	75	21	bankers	banker	NOUN
inlawrev-3590	75	22	and	and	CCONJ
inlawrev-3590	75	23	real	real	ADJ
inlawrev-3590	75	24	estate	estate	NOUN
inlawrev-3590	75	25	developers	developer	NOUN
inlawrev-3590	75	26	seem	seem	VERB
inlawrev-3590	75	27	widely	widely	ADV
inlawrev-3590	75	28	supportive	supportive	ADJ
inlawrev-3590	75	29	of	of	ADP
inlawrev-3590	75	30	government	government	NOUN
inlawrev-3590	75	31	stepping	step	VERB
inlawrev-3590	75	32	into	into	ADP
inlawrev-3590	75	33	the	the	DET
inlawrev-3590	75	34	breach.^	breach.^	NOUN
inlawrev-3590	75	35	but	but	CCONJ
inlawrev-3590	75	36	it	it	PRON
inlawrev-3590	75	37	simply	simply	ADV
inlawrev-3590	75	38	does	do	AUX
inlawrev-3590	75	39	not	not	PART
inlawrev-3590	75	40	follow	follow	VERB
inlawrev-3590	75	41	that	that	PRON
inlawrev-3590	75	42	government	government	NOUN
inlawrev-3590	75	43	should	should	AUX
inlawrev-3590	75	44	act	act	VERB
inlawrev-3590	75	45	.	.	PUNCT
inlawrev-3590	76	1	the	the	DET
inlawrev-3590	76	2	real	real	ADJ
inlawrev-3590	76	3	8	8	NUM
inlawrev-3590	76	4	.	.	PUNCT
inlawrev-3590	77	1	ins	in	NOUN
inlawrev-3590	77	2	.	.	PUNCT
inlawrev-3590	77	3	info	info	PROPN
inlawrev-3590	77	4	.	.	PUNCT
inlawrev-3590	78	1	inst	inst	PROPN
inlawrev-3590	78	2	.	.	PROPN
inlawrev-3590	78	3	,	,	PUNCT
inlawrev-3590	78	4	hot	hot	ADJ
inlawrev-3590	78	5	topics	topic	NOUN
inlawrev-3590	78	6	and	and	CCONJ
inlawrev-3590	78	7	insurance	insurance	NOUN
inlawrev-3590	78	8	issues	issue	NOUN
inlawrev-3590	78	9	:	:	PUNCT
inlawrev-3590	78	10	terrorism	terrorism	NOUN
inlawrev-3590	78	11	and	and	CCONJ
inlawrev-3590	78	12	insurance	insurance	NOUN
inlawrev-3590	78	13	,	,	PUNCT
inlawrev-3590	78	14	at	at	ADP
inlawrev-3590	78	15	http://www	http://www	PROPN
inlawrev-3590	78	16	.	.	PUNCT
inlawrev-3590	79	1	iii.org/media/hottopics/insurance/septll/.	iii.org/media/hottopics/insurance/septll/.	PROPN
inlawrev-3590	79	2	9	9	X
inlawrev-3590	79	3	.	.	PUNCT
inlawrev-3590	79	4	mark	mark	PROPN
inlawrev-3590	79	5	a.	a.	PROPN
inlawrev-3590	79	6	hoffman	hoffman	PROPN
inlawrev-3590	79	7	,	,	PUNCT
inlawrev-3590	79	8	bush	bush	PROPN
inlawrev-3590	79	9	renews	renew	VERB
inlawrev-3590	79	10	pushfor	pushfor	ADP
inlawrev-3590	79	11	terror	terror	NOUN
inlawrev-3590	79	12	cover	cover	NOUN
inlawrev-3590	79	13	aid	aid	NOUN
inlawrev-3590	79	14	,	,	PUNCT
inlawrev-3590	79	15	bus	bus	NOUN
inlawrev-3590	79	16	.	.	PUNCT
inlawrev-3590	80	1	ins	ins	PROPN
inlawrev-3590	80	2	.	.	PROPN
inlawrev-3590	80	3	,	,	PUNCT
inlawrev-3590	80	4	apr	apr	PROPN
inlawrev-3590	80	5	.	.	PROPN
inlawrev-3590	80	6	1	1	NUM
inlawrev-3590	80	7	5	5	NUM
inlawrev-3590	80	8	,	,	PUNCT
inlawrev-3590	80	9	2002	2002	NUM
inlawrev-3590	80	10	.	.	PUNCT
inlawrev-3590	81	1	2003	2003	NUM
inlawrev-3590	81	2	]	]	PUNCT
inlawrev-3590	81	3	terrorism	terrorism	NOUN
inlawrev-3590	81	4	and	and	CCONJ
inlawrev-3590	81	5	insurance	insurance	NOUN
inlawrev-3590	81	6	markets	market	NOUN
inlawrev-3590	81	7	45	45	NUM
inlawrev-3590	81	8	1	1	NUM
inlawrev-3590	81	9	estate	estate	NOUN
inlawrev-3590	81	10	industry	industry	NOUN
inlawrev-3590	81	11	and	and	CCONJ
inlawrev-3590	81	12	the	the	DET
inlawrev-3590	81	13	lenders	lender	NOUN
inlawrev-3590	81	14	that	that	PRON
inlawrev-3590	81	15	support	support	VERB
inlawrev-3590	81	16	it	it	PRON
inlawrev-3590	81	17	would	would	AUX
inlawrev-3590	81	18	ofcourse	ofcourse	VERB
inlawrev-3590	81	19	like	like	VERB
inlawrev-3590	81	20	to	to	PART
inlawrev-3590	81	21	return	return	VERB
inlawrev-3590	81	22	to	to	ADP
inlawrev-3590	81	23	the	the	DET
inlawrev-3590	81	24	days	day	NOUN
inlawrev-3590	81	25	before	before	ADP
inlawrev-3590	81	26	september	september	PROPN
inlawrev-3590	81	27	1	1	NUM
inlawrev-3590	81	28	1	1	NUM
inlawrev-3590	81	29	when	when	SCONJ
inlawrev-3590	81	30	terrorism	terrorism	NOUN
inlawrev-3590	81	31	risk	risk	NOUN
inlawrev-3590	81	32	was	be	AUX
inlawrev-3590	81	33	perceived	perceive	VERB
inlawrev-3590	81	34	to	to	PART
inlawrev-3590	81	35	be	be	AUX
inlawrev-3590	81	36	a	a	DET
inlawrev-3590	81	37	de	de	X
inlawrev-3590	81	38	minimis	minimis	NOUN
inlawrev-3590	81	39	cost	cost	NOUN
inlawrev-3590	81	40	of	of	ADP
inlawrev-3590	81	41	doing	do	VERB
inlawrev-3590	81	42	business	business	NOUN
inlawrev-3590	81	43	,	,	PUNCT
inlawrev-3590	81	44	and	and	CCONJ
inlawrev-3590	81	45	they	they	PRON
inlawrev-3590	81	46	will	will	AUX
inlawrev-3590	81	47	happily	happily	ADV
inlawrev-3590	81	48	support	support	VERB
inlawrev-3590	81	49	programs	program	NOUN
inlawrev-3590	81	50	to	to	PART
inlawrev-3590	81	51	shift	shift	VERB
inlawrev-3590	81	52	the	the	DET
inlawrev-3590	81	53	increased	increase	VERB
inlawrev-3590	81	54	risk	risk	NOUN
inlawrev-3590	81	55	to	to	ADP
inlawrev-3590	81	56	taxpayers	taxpayer	NOUN
inlawrev-3590	81	57	.	.	PUNCT
inlawrev-3590	82	1	but	but	CCONJ
inlawrev-3590	82	2	terrorism	terrorism	NOUN
inlawrev-3590	82	3	risk	risk	NOUN
inlawrev-3590	82	4	is	be	AUX
inlawrev-3590	82	5	a	a	DET
inlawrev-3590	82	6	cost	cost	NOUN
inlawrev-3590	82	7	like	like	ADP
inlawrev-3590	82	8	any	any	DET
inlawrev-3590	82	9	other	other	ADJ
inlawrev-3590	82	10	that	that	PRON
inlawrev-3590	82	11	ought	ought	AUX
inlawrev-3590	82	12	to	to	PART
inlawrev-3590	82	13	be	be	AUX
inlawrev-3590	82	14	internalized	internalize	VERB
inlawrev-3590	82	15	by	by	ADP
inlawrev-3590	82	16	developers	developer	NOUN
inlawrev-3590	82	17	,	,	PUNCT
inlawrev-3590	82	18	not	not	PART
inlawrev-3590	82	19	externalized	externalize	VERB
inlawrev-3590	82	20	.	.	PUNCT
inlawrev-3590	83	1	if	if	SCONJ
inlawrev-3590	83	2	it	it	PRON
inlawrev-3590	83	3	can	can	AUX
inlawrev-3590	83	4	not	not	PART
inlawrev-3590	83	5	be	be	AUX
inlawrev-3590	83	6	laid	lay	VERB
inlawrev-3590	83	7	off	off	ADP
inlawrev-3590	83	8	on	on	ADP
inlawrev-3590	83	9	insurers	insurer	NOUN
inlawrev-3590	83	10	for	for	ADP
inlawrev-3590	83	11	the	the	DET
inlawrev-3590	83	12	time	time	NOUN
inlawrev-3590	83	13	being	be	AUX
inlawrev-3590	83	14	at	at	ADP
inlawrev-3590	83	15	a	a	DET
inlawrev-3590	83	16	price	price	NOUN
inlawrev-3590	83	17	that	that	PRON
inlawrev-3590	83	18	developers	developer	NOUN
inlawrev-3590	83	19	fmd	fmd	VERB
inlawrev-3590	83	20	congenial	congenial	ADJ
inlawrev-3590	83	21	due	due	ADP
inlawrev-3590	83	22	to	to	ADP
inlawrev-3590	83	23	a	a	DET
inlawrev-3590	83	24	capacity	capacity	NOUN
inlawrev-3590	83	25	shortage	shortage	NOUN
inlawrev-3590	83	26	,	,	PUNCT
inlawrev-3590	83	27	it	it	PRON
inlawrev-3590	83	28	does	do	AUX
inlawrev-3590	83	29	not	not	PART
inlawrev-3590	83	30	follow	follow	VERB
inlawrev-3590	83	31	that	that	DET
inlawrev-3590	83	32	government	government	NOUN
inlawrev-3590	83	33	should	should	AUX
inlawrev-3590	83	34	assume	assume	VERB
inlawrev-3590	83	35	the	the	DET
inlawrev-3590	83	36	risk	risk	NOUN
inlawrev-3590	83	37	instead	instead	ADV
inlawrev-3590	83	38	.	.	PUNCT
inlawrev-3590	84	1	the	the	DET
inlawrev-3590	84	2	optimal	optimal	ADJ
inlawrev-3590	84	3	response	response	NOUN
inlawrev-3590	84	4	to	to	ADP
inlawrev-3590	84	5	the	the	DET
inlawrev-3590	84	6	short	short	ADJ
inlawrev-3590	84	7	-	-	PUNCT
inlawrev-3590	84	8	term	term	NOUN
inlawrev-3590	84	9	insurance	insurance	NOUN
inlawrev-3590	84	10	crisis	crisis	NOUN
inlawrev-3590	84	11	may	may	AUX
inlawrev-3590	84	12	well	well	ADV
inlawrev-3590	84	13	be	be	AUX
inlawrev-3590	84	14	for	for	SCONJ
inlawrev-3590	84	15	lenders	lender	NOUN
inlawrev-3590	84	16	and	and	CCONJ
inlawrev-3590	84	17	borrowers	borrower	NOUN
inlawrev-3590	84	18	to	to	PART
inlawrev-3590	84	19	revise	revise	VERB
inlawrev-3590	84	20	their	their	PRON
inlawrev-3590	84	21	contracts	contract	NOUN
inlawrev-3590	84	22	to	to	PART
inlawrev-3590	84	23	recognize	recognize	VERB
inlawrev-3590	84	24	that	that	SCONJ
inlawrev-3590	84	25	insurance	insurance	NOUN
inlawrev-3590	84	26	is	be	AUX
inlawrev-3590	84	27	temporarily	temporarily	ADV
inlawrev-3590	84	28	unavailable	unavailable	ADJ
inlawrev-3590	84	29	,	,	PUNCT
inlawrev-3590	84	30	and	and	CCONJ
inlawrev-3590	84	31	to	to	PART
inlawrev-3590	84	32	reprice	reprice	VERB
inlawrev-3590	84	33	them	they	PRON
inlawrev-3590	84	34	accordingly	accordingly	ADV
inlawrev-3590	84	35	.	.	PUNCT
inlawrev-3590	85	1	in	in	ADP
inlawrev-3590	85	2	the	the	DET
inlawrev-3590	85	3	long	long	ADJ
inlawrev-3590	85	4	term	term	NOUN
inlawrev-3590	85	5	,	,	PUNCT
inlawrev-3590	85	6	any	any	DET
inlawrev-3590	85	7	lasting	last	VERB
inlawrev-3590	85	8	policy	policy	NOUN
inlawrev-3590	85	9	exclusions	exclusion	NOUN
inlawrev-3590	85	10	for	for	ADP
inlawrev-3590	85	11	catastrophic	catastrophic	ADJ
inlawrev-3590	85	12	losses	loss	NOUN
inlawrev-3590	85	13	due	due	ADJ
inlawrev-3590	85	14	to	to	ADP
inlawrev-3590	85	15	terrorist	terrorist	ADJ
inlawrev-3590	85	16	acts	act	NOUN
inlawrev-3590	85	17	should	should	AUX
inlawrev-3590	85	18	be	be	AUX
inlawrev-3590	85	19	no	no	PRON
inlawrev-3590	85	20	more	more	ADV
inlawrev-3590	85	21	disruptive	disruptive	ADJ
inlawrev-3590	85	22	to	to	PART
inlawrev-3590	85	23	project	project	VERB
inlawrev-3590	85	24	finance	finance	NOUN
inlawrev-3590	85	25	than	than	ADP
inlawrev-3590	85	26	exclusions	exclusion	NOUN
inlawrev-3590	85	27	for	for	ADP
inlawrev-3590	85	28	acts	act	NOUN
inlawrev-3590	85	29	of	of	ADP
inlawrev-3590	85	30	war	war	NOUN
inlawrev-3590	85	31	,	,	PUNCT
inlawrev-3590	85	32	which	which	PRON
inlawrev-3590	85	33	have	have	AUX
inlawrev-3590	85	34	persisted	persist	VERB
inlawrev-3590	85	35	without	without	ADP
inlawrev-3590	85	36	causing	cause	VERB
inlawrev-3590	85	37	any	any	DET
inlawrev-3590	85	38	great	great	ADJ
inlawrev-3590	85	39	difficulty	difficulty	NOUN
inlawrev-3590	85	40	for	for	ADP
inlawrev-3590	85	41	decades	decade	NOUN
inlawrev-3590	85	42	.	.	PUNCT
inlawrev-3590	86	1	the	the	DET
inlawrev-3590	86	2	sections	section	NOUN
inlawrev-3590	86	3	that	that	PRON
inlawrev-3590	86	4	follow	follow	VERB
inlawrev-3590	86	5	develop	develop	VERB
inlawrev-3590	86	6	and	and	CCONJ
inlawrev-3590	86	7	refine	refine	VERB
inlawrev-3590	86	8	these	these	DET
inlawrev-3590	86	9	arguments	argument	NOUN
inlawrev-3590	86	10	.	.	PUNCT
inlawrev-3590	87	1	we	we	PRON
inlawrev-3590	87	2	begin	begin	VERB
inlawrev-3590	87	3	with	with	ADP
inlawrev-3590	87	4	some	some	DET
inlawrev-3590	87	5	positive	positive	ADJ
inlawrev-3590	87	6	economics	economic	NOUN
inlawrev-3590	87	7	on	on	ADP
inlawrev-3590	87	8	the	the	DET
inlawrev-3590	87	9	insurance	insurance	NOUN
inlawrev-3590	87	10	industry	industry	NOUN
inlawrev-3590	87	11	and	and	CCONJ
inlawrev-3590	87	12	the	the	DET
inlawrev-3590	87	13	"	"	PUNCT
inlawrev-3590	87	14	capacity	capacity	NOUN
inlawrev-3590	87	15	constraints	constraint	NOUN
inlawrev-3590	87	16	"	"	PUNCT
inlawrev-3590	87	17	that	that	PRON
inlawrev-3590	87	18	afflict	afflict	VERB
inlawrev-3590	87	19	it	it	PRON
inlawrev-3590	87	20	in	in	ADP
inlawrev-3590	87	21	times	time	NOUN
inlawrev-3590	87	22	of	of	ADP
inlawrev-3590	87	23	uncertainty	uncertainty	NOUN
inlawrev-3590	87	24	following	follow	VERB
inlawrev-3590	87	25	large	large	ADJ
inlawrev-3590	87	26	shocks	shock	NOUN
inlawrev-3590	87	27	,	,	PUNCT
inlawrev-3590	87	28	as	as	ADV
inlawrev-3590	87	29	well	well	ADV
inlawrev-3590	87	30	as	as	ADP
inlawrev-3590	87	31	some	some	DET
inlawrev-3590	87	32	history	history	NOUN
inlawrev-3590	87	33	relating	relate	VERB
inlawrev-3590	87	34	to	to	ADP
inlawrev-3590	87	35	previous	previous	ADJ
inlawrev-3590	87	36	insurance	insurance	NOUN
inlawrev-3590	87	37	"	"	PUNCT
inlawrev-3590	87	38	crises	crisis	NOUN
inlawrev-3590	87	39	.	.	PUNCT
inlawrev-3590	87	40	"	"	PUNCT
inlawrev-3590	88	1	i.	i.	PROPN
inlawrev-3590	88	2	the	the	DET
inlawrev-3590	88	3	economics	economic	NOUN
inlawrev-3590	88	4	of	of	ADP
inlawrev-3590	88	5	insurance	insurance	NOUN
inlawrev-3590	88	6	"	"	PUNCT
inlawrev-3590	88	7	crises	crisis	NOUN
inlawrev-3590	88	8	"	"	PUNCT
inlawrev-3590	88	9	crises	crisis	NOUN
inlawrev-3590	88	10	in	in	ADP
inlawrev-3590	88	11	the	the	DET
inlawrev-3590	88	12	availability	availability	NOUN
inlawrev-3590	88	13	of	of	ADP
inlawrev-3590	88	14	private	private	ADJ
inlawrev-3590	88	15	insurance	insurance	NOUN
inlawrev-3590	88	16	coverage	coverage	NOUN
inlawrev-3590	88	17	are	be	AUX
inlawrev-3590	88	18	not	not	PART
inlawrev-3590	88	19	unfamiliar	unfamiliar	ADJ
inlawrev-3590	88	20	.	.	PUNCT
inlawrev-3590	89	1	during	during	ADP
inlawrev-3590	89	2	the	the	DET
inlawrev-3590	89	3	1980s	1980	NOUN
inlawrev-3590	89	4	,	,	PUNCT
inlawrev-3590	89	5	certain	certain	ADJ
inlawrev-3590	89	6	lines	line	NOUN
inlawrev-3590	89	7	of	of	ADP
inlawrev-3590	89	8	liability	liability	NOUN
inlawrev-3590	89	9	insurance	insurance	NOUN
inlawrev-3590	89	10	increased	increase	VERB
inlawrev-3590	89	11	in	in	ADP
inlawrev-3590	89	12	price	price	NOUN
inlawrev-3590	89	13	spectacularly	spectacularly	ADV
inlawrev-3590	89	14	,	,	PUNCT
inlawrev-3590	89	15	and	and	CCONJ
inlawrev-3590	89	16	a	a	DET
inlawrev-3590	89	17	few	few	ADJ
inlawrev-3590	89	18	became	become	VERB
inlawrev-3590	89	19	altogether	altogether	ADV
inlawrev-3590	89	20	unavailable	unavailable	ADJ
inlawrev-3590	89	21	(	(	PUNCT
inlawrev-3590	89	22	such	such	ADJ
inlawrev-3590	89	23	as	as	ADP
inlawrev-3590	89	24	certain	certain	ADJ
inlawrev-3590	89	25	lines	line	NOUN
inlawrev-3590	89	26	of	of	ADP
inlawrev-3590	89	27	medical	medical	ADJ
inlawrev-3590	89	28	malpractice	malpractice	NOUN
inlawrev-3590	89	29	coverage).'^	coverage).'^	NOUN
inlawrev-3590	89	30	the	the	DET
inlawrev-3590	89	31	most	most	ADV
inlawrev-3590	89	32	recent	recent	ADJ
inlawrev-3590	89	33	crisis	crisis	NOUN
inlawrev-3590	89	34	occurred	occur	VERB
inlawrev-3590	89	35	in	in	ADP
inlawrev-3590	89	36	the	the	DET
inlawrev-3590	89	37	early	early	ADJ
inlawrev-3590	89	38	1990s	1990	NOUN
inlawrev-3590	89	39	following	follow	VERB
inlawrev-3590	89	40	hurricane	hurricane	PROPN
inlawrev-3590	89	41	andrew	andrew	PROPN
inlawrev-3590	89	42	when	when	SCONJ
inlawrev-3590	89	43	reinsurers	reinsurer	NOUN
inlawrev-3590	89	44	exited	exit	VERB
inlawrev-3590	89	45	the	the	DET
inlawrev-3590	89	46	market	market	NOUN
inlawrev-3590	89	47	for	for	ADP
inlawrev-3590	89	48	coverage	coverage	NOUN
inlawrev-3590	89	49	of	of	ADP
inlawrev-3590	89	50	catastrophic	catastrophic	ADJ
inlawrev-3590	89	51	risks	risk	NOUN
inlawrev-3590	89	52	,	,	PUNCT
inlawrev-3590	89	53	leading	lead	VERB
inlawrev-3590	89	54	domestic	domestic	ADJ
inlawrev-3590	89	55	casualty	casualty	NOUN
inlawrev-3590	89	56	to	to	ADP
inlawrev-3590	89	57	insurers	insurer	NOUN
inlawrev-3590	89	58	to	to	PART
inlawrev-3590	89	59	fear	fear	VERB
inlawrev-3590	89	60	that	that	SCONJ
inlawrev-3590	89	61	another	another	DET
inlawrev-3590	89	62	major	major	ADJ
inlawrev-3590	89	63	disaster	disaster	NOUN
inlawrev-3590	89	64	might	might	AUX
inlawrev-3590	89	65	threaten	threaten	VERB
inlawrev-3590	89	66	their	their	PRON
inlawrev-3590	89	67	solvency	solvency	NOUN
inlawrev-3590	89	68	.	.	PUNCT
inlawrev-3590	89	69	'	'	PUNCT
inlawrev-3590	90	1	'	'	PUNCT
inlawrev-3590	90	2	such	such	ADJ
inlawrev-3590	90	3	crises	crisis	NOUN
inlawrev-3590	90	4	also	also	ADV
inlawrev-3590	90	5	produced	produce	VERB
inlawrev-3590	90	6	political	political	ADJ
inlawrev-3590	90	7	support	support	NOUN
inlawrev-3590	90	8	for	for	ADP
inlawrev-3590	90	9	governmental	governmental	ADJ
inlawrev-3590	90	10	actions	action	NOUN
inlawrev-3590	90	11	to	to	PART
inlawrev-3590	90	12	reduce	reduce	VERB
inlawrev-3590	90	13	insurers	insurer	NOUN
inlawrev-3590	90	14	'	'	PART
inlawrev-3590	90	15	exposure	exposure	NOUN
inlawrev-3590	90	16	to	to	ADP
inlawrev-3590	90	17	risk	risk	NOUN
inlawrev-3590	90	18	,	,	PUNCT
inlawrev-3590	90	19	and	and	CCONJ
inlawrev-3590	90	20	indeed	indeed	ADV
inlawrev-3590	90	21	one	one	NOUN
inlawrev-3590	90	22	can	can	AUX
inlawrev-3590	90	23	trace	trace	VERB
inlawrev-3590	90	24	some	some	DET
inlawrev-3590	90	25	modern	modern	ADJ
inlawrev-3590	90	26	tort	tort	NOUN
inlawrev-3590	90	27	reforms	reform	NOUN
inlawrev-3590	90	28	and	and	CCONJ
inlawrev-3590	90	29	initiatives	initiative	NOUN
inlawrev-3590	90	30	such	such	ADJ
inlawrev-3590	90	31	as	as	ADP
inlawrev-3590	90	32	the	the	DET
inlawrev-3590	90	33	california	california	PROPN
inlawrev-3590	90	34	earthquake	earthquake	NOUN
inlawrev-3590	90	35	authority	authority	NOUN
inlawrev-3590	90	36	in	in	ADP
inlawrev-3590	90	37	part	part	NOUN
inlawrev-3590	90	38	to	to	ADP
inlawrev-3590	90	39	these	these	DET
inlawrev-3590	90	40	episodes	episode	NOUN
inlawrev-3590	90	41	.	.	PUNCT
inlawrev-3590	91	1	'^	'^	AUX
inlawrev-3590	91	2	the	the	DET
inlawrev-3590	91	3	liability	liability	NOUN
inlawrev-3590	91	4	and	and	CCONJ
inlawrev-3590	91	5	catastrophe	catastrophe	NOUN
inlawrev-3590	91	6	insurance	insurance	NOUN
inlawrev-3590	91	7	crises	crisis	NOUN
inlawrev-3590	91	8	also	also	ADV
inlawrev-3590	91	9	spawned	spawn	VERB
inlawrev-3590	91	10	a	a	DET
inlawrev-3590	91	11	fair	fair	ADJ
inlawrev-3590	91	12	amount	amount	NOUN
inlawrev-3590	91	13	of	of	ADP
inlawrev-3590	91	14	theoretical	theoretical	ADJ
inlawrev-3590	91	15	and	and	CCONJ
inlawrev-3590	91	16	empirical	empirical	ADJ
inlawrev-3590	91	17	research	research	NOUN
inlawrev-3590	91	18	into	into	ADP
inlawrev-3590	91	19	the	the	DET
inlawrev-3590	91	20	reasons	reason	NOUN
inlawrev-3590	91	21	for	for	ADP
inlawrev-3590	91	22	them	they	PRON
inlawrev-3590	91	23	.	.	PUNCT
inlawrev-3590	92	1	a.	a.	NOUN
inlawrev-3590	93	1	the	the	DET
inlawrev-3590	93	2	theory	theory	NOUN
inlawrev-3590	93	3	ofinsurance	ofinsurance	NOUN
inlawrev-3590	93	4	capacity	capacity	NOUN
inlawrev-3590	93	5	limits	limit	VERB
inlawrev-3590	93	6	the	the	DET
inlawrev-3590	93	7	insurance	insurance	NOUN
inlawrev-3590	93	8	crises	crisis	NOUN
inlawrev-3590	93	9	ofthe	ofthe	VERB
inlawrev-3590	93	10	past	past	ADV
inlawrev-3590	93	11	,	,	PUNCT
inlawrev-3590	93	12	as	as	ADV
inlawrev-3590	93	13	well	well	ADV
inlawrev-3590	93	14	as	as	ADP
inlawrev-3590	93	15	the	the	DET
inlawrev-3590	93	16	present	present	ADJ
inlawrev-3590	93	17	situation	situation	NOUN
inlawrev-3590	93	18	with	with	ADP
inlawrev-3590	93	19	respect	respect	NOUN
inlawrev-3590	93	20	to	to	ADP
inlawrev-3590	93	21	terrorism	terrorism	NOUN
inlawrev-3590	93	22	coverage	coverage	NOUN
inlawrev-3590	93	23	,	,	PUNCT
inlawrev-3590	93	24	all	all	PRON
inlawrev-3590	93	25	arose	arise	VERB
inlawrev-3590	93	26	following	follow	VERB
inlawrev-3590	93	27	large	large	ADJ
inlawrev-3590	93	28	,	,	PUNCT
inlawrev-3590	93	29	unanticipated	unanticipated	ADJ
inlawrev-3590	93	30	losses	loss	NOUN
inlawrev-3590	93	31	for	for	ADP
inlawrev-3590	93	32	insurers	insurer	NOUN
inlawrev-3590	93	33	.	.	PUNCT
inlawrev-3590	94	1	at	at	ADP
inlawrev-3590	94	2	first	first	ADJ
inlawrev-3590	94	3	blush	blush	NOUN
inlawrev-3590	94	4	,	,	PUNCT
inlawrev-3590	94	5	the	the	DET
inlawrev-3590	94	6	unwillingness	unwillingness	NOUN
inlawrev-3590	94	7	of	of	ADP
inlawrev-3590	94	8	insurers	insurer	NOUN
inlawrev-3590	94	9	to	to	PART
inlawrev-3590	94	10	sell	sell	VERB
inlawrev-3590	94	11	coverage	coverage	NOUN
inlawrev-3590	94	12	at	at	ADP
inlawrev-3590	94	13	such	such	ADJ
inlawrev-3590	94	14	times	time	NOUN
inlawrev-3590	94	15	,	,	PUNCT
inlawrev-3590	94	16	or	or	CCONJ
inlawrev-3590	94	17	a	a	DET
inlawrev-3590	94	18	large	large	ADJ
inlawrev-3590	94	19	increase	increase	NOUN
inlawrev-3590	94	20	in	in	ADP
inlawrev-3590	94	21	required	required	ADJ
inlawrev-3590	94	22	premiums	premium	NOUN
inlawrev-3590	94	23	relative	relative	ADJ
inlawrev-3590	94	24	to	to	ADP
inlawrev-3590	94	25	expected	expect	VERB
inlawrev-3590	94	26	losses	loss	NOUN
inlawrev-3590	94	27	,	,	PUNCT
inlawrev-3590	94	28	presents	present	VERB
inlawrev-3590	94	29	a	a	DET
inlawrev-3590	94	30	puzzle	puzzle	NOUN
inlawrev-3590	94	31	.	.	PUNCT
inlawrev-3590	95	1	after	after	ADV
inlawrev-3590	95	2	all	all	ADV
inlawrev-3590	95	3	,	,	PUNCT
inlawrev-3590	95	4	insurers	insurer	NOUN
inlawrev-3590	95	5	are	be	AUX
inlawrev-3590	95	6	in	in	ADP
inlawrev-3590	95	7	the	the	DET
inlawrev-3590	95	8	business	business	NOUN
inlawrev-3590	95	9	of	of	ADP
inlawrev-3590	95	10	bearing	bear	VERB
inlawrev-3590	95	11	risk	risk	NOUN
inlawrev-3590	95	12	,	,	PUNCT
inlawrev-3590	95	13	and	and	CCONJ
inlawrev-3590	95	14	it	it	PRON
inlawrev-3590	95	15	is	be	AUX
inlawrev-3590	95	16	not	not	PART
inlawrev-3590	95	17	obvious	obvious	ADJ
inlawrev-3590	95	18	why	why	SCONJ
inlawrev-3590	95	19	an	an	DET
inlawrev-3590	95	20	increase	increase	NOUN
inlawrev-3590	95	21	in	in	ADP
inlawrev-3590	95	22	the	the	DET
inlawrev-3590	95	23	riskiness	riskiness	NOUN
inlawrev-3590	95	24	oftheir	oftheir	ADJ
inlawrev-3590	95	25	business	business	NOUN
inlawrev-3590	95	26	would	would	AUX
inlawrev-3590	95	27	give	give	VERB
inlawrev-3590	95	28	them	they	PRON
inlawrev-3590	95	29	pause	pause	VERB
inlawrev-3590	95	30	—	—	PUNCT
inlawrev-3590	95	31	premiums	premium	NOUN
inlawrev-3590	95	32	1	1	NUM
inlawrev-3590	95	33	0	0	NUM
inlawrev-3590	95	34	.	.	PUNCT
inlawrev-3590	96	1	see	see	VERB
inlawrev-3590	96	2	george	george	PROPN
inlawrev-3590	96	3	l.	l.	PROPN
inlawrev-3590	96	4	priest	priest	PROPN
inlawrev-3590	96	5	,	,	PUNCT
inlawrev-3590	96	6	the	the	DET
inlawrev-3590	96	7	current	current	ADJ
inlawrev-3590	96	8	insurance	insurance	NOUN
inlawrev-3590	96	9	crisis	crisis	NOUN
inlawrev-3590	96	10	and	and	CCONJ
inlawrev-3590	96	11	modern	modern	ADJ
inlawrev-3590	96	12	tort	tort	NOUN
inlawrev-3590	96	13	law	law	NOUN
inlawrev-3590	96	14	,	,	PUNCT
inlawrev-3590	96	15	96	96	NUM
inlawrev-3590	96	16	yale	yale	PROPN
inlawrev-3590	96	17	l.j	l.j	PROPN
inlawrev-3590	96	18	.	.	PROPN
inlawrev-3590	96	19	1521	1521	NUM
inlawrev-3590	96	20	,	,	PUNCT
inlawrev-3590	96	21	1521,1522,1527(1987	1521,1522,1527(1987	NUM
inlawrev-3590	96	22	)	)	PUNCT
inlawrev-3590	96	23	.	.	PUNCT
inlawrev-3590	97	1	11	11	NUM
inlawrev-3590	97	2	.	.	X
inlawrev-3590	97	3	see	see	VERB
inlawrev-3590	97	4	generally	generally	ADV
inlawrev-3590	97	5	the	the	DET
inlawrev-3590	97	6	financing	financing	NOUN
inlawrev-3590	97	7	of	of	ADP
inlawrev-3590	97	8	catastrophe	catastrophe	NOUN
inlawrev-3590	97	9	risk	risk	NOUN
inlawrev-3590	97	10	(	(	PUNCT
inlawrev-3590	97	11	kenneth	kenneth	PROPN
inlawrev-3590	97	12	a.	a.	PROPN
inlawrev-3590	97	13	froot	froot	PROPN
inlawrev-3590	97	14	ed	ed	NOUN
inlawrev-3590	97	15	.	.	PROPN
inlawrev-3590	97	16	,	,	PUNCT
inlawrev-3590	97	17	1	1	NUM
inlawrev-3590	97	18	999	999	NUM
inlawrev-3590	97	19	)	)	PUNCT
inlawrev-3590	97	20	.	.	PUNCT
inlawrev-3590	98	1	12	12	NUM
inlawrev-3590	98	2	.	.	PUNCT
inlawrev-3590	99	1	regarding	regard	VERB
inlawrev-3590	99	2	the	the	DET
inlawrev-3590	99	3	latter	latter	ADJ
inlawrev-3590	99	4	,	,	PUNCT
inlawrev-3590	99	5	see	see	VERB
inlawrev-3590	99	6	generally	generally	ADV
inlawrev-3590	99	7	david	david	PROPN
inlawrev-3590	99	8	a.	a.	PROPN
inlawrev-3590	99	9	moss	moss	PROPN
inlawrev-3590	99	10	,	,	PUNCT
inlawrev-3590	99	11	courting	court	VERB
inlawrev-3590	99	12	disaster	disaster	NOUN
inlawrev-3590	99	13	?	?	PUNCT
inlawrev-3590	99	14	:	:	PUNCT
inlawrev-3590	99	15	the	the	DET
inlawrev-3590	99	16	transformation	transformation	NOUN
inlawrev-3590	99	17	offederal	offederal	ADJ
inlawrev-3590	99	18	disaster	disaster	NOUN
inlawrev-3590	99	19	policy	policy	NOUN
inlawrev-3590	99	20	since	since	SCONJ
inlawrev-3590	99	21	1803	1803	NUM
inlawrev-3590	99	22	,	,	PUNCT
inlawrev-3590	99	23	in	in	ADP
inlawrev-3590	99	24	i	i	PROPN
inlawrev-3590	99	25	d.	d.	PROPN
inlawrev-3590	99	26	at	at	ADP
inlawrev-3590	99	27	307	307	NUM
inlawrev-3590	99	28	.	.	PUNCT
inlawrev-3590	100	1	452	452	NUM
inlawrev-3590	100	2	indiana	indiana	PROPN
inlawrev-3590	100	3	law	law	PROPN
inlawrev-3590	100	4	review	review	NOUN
inlawrev-3590	100	5	[	[	X
inlawrev-3590	100	6	vol	vol	NOUN
inlawrev-3590	100	7	.	.	PUNCT
inlawrev-3590	101	1	36:447	36:447	NOUN
inlawrev-3590	101	2	will	will	AUX
inlawrev-3590	101	3	rise	rise	VERB
inlawrev-3590	101	4	when	when	SCONJ
inlawrev-3590	101	5	the	the	DET
inlawrev-3590	101	6	expected	expect	VERB
inlawrev-3590	101	7	value	value	NOUN
inlawrev-3590	101	8	of	of	ADP
inlawrev-3590	101	9	covered	cover	VERB
inlawrev-3590	101	10	losses	loss	NOUN
inlawrev-3590	101	11	rises	rise	VERB
inlawrev-3590	101	12	to	to	PART
inlawrev-3590	101	13	be	be	AUX
inlawrev-3590	101	14	sure	sure	ADJ
inlawrev-3590	101	15	,	,	PUNCT
inlawrev-3590	101	16	but	but	CCONJ
inlawrev-3590	101	17	why	why	SCONJ
inlawrev-3590	101	18	should	should	AUX
inlawrev-3590	101	19	insurers	insurer	NOUN
inlawrev-3590	101	20	refuse	refuse	VERB
inlawrev-3590	101	21	to	to	PART
inlawrev-3590	101	22	write	write	VERB
inlawrev-3590	101	23	coverage	coverage	NOUN
inlawrev-3590	101	24	at	at	ADV
inlawrev-3590	101	25	all	all	ADV
inlawrev-3590	101	26	or	or	CCONJ
inlawrev-3590	101	27	charge	charge	VERB
inlawrev-3590	101	28	premiums	premium	NOUN
inlawrev-3590	101	29	far	far	ADV
inlawrev-3590	101	30	in	in	ADP
inlawrev-3590	101	31	excess	excess	NOUN
inlawrev-3590	101	32	of	of	ADP
inlawrev-3590	101	33	expected	expect	VERB
inlawrev-3590	101	34	losses	loss	NOUN
inlawrev-3590	101	35	?	?	PUNCT
inlawrev-3590	102	1	instead	instead	ADV
inlawrev-3590	102	2	,	,	PUNCT
inlawrev-3590	102	3	one	one	PRON
inlawrev-3590	102	4	might	might	AUX
inlawrev-3590	102	5	expect	expect	VERB
inlawrev-3590	102	6	insurance	insurance	NOUN
inlawrev-3590	102	7	actuaries	actuary	NOUN
inlawrev-3590	102	8	to	to	PART
inlawrev-3590	102	9	take	take	VERB
inlawrev-3590	102	10	their	their	PRON
inlawrev-3590	102	11	best	good	ADJ
inlawrev-3590	102	12	guess	guess	NOUN
inlawrev-3590	102	13	regarding	regard	VERB
inlawrev-3590	102	14	future	future	ADJ
inlawrev-3590	102	15	expected	expect	VERB
inlawrev-3590	102	16	losses	loss	NOUN
inlawrev-3590	102	17	as	as	SCONJ
inlawrev-3590	102	18	new	new	ADJ
inlawrev-3590	102	19	information	information	NOUN
inlawrev-3590	102	20	comes	come	VERB
inlawrev-3590	102	21	in	in	ADV
inlawrev-3590	102	22	,	,	PUNCT
inlawrev-3590	102	23	and	and	CCONJ
inlawrev-3590	102	24	to	to	PART
inlawrev-3590	102	25	make	make	VERB
inlawrev-3590	102	26	coverage	coverage	NOUN
inlawrev-3590	102	27	available	available	ADJ
inlawrev-3590	102	28	for	for	ADP
inlawrev-3590	102	29	a	a	DET
inlawrev-3590	102	30	premium	premium	NOUN
inlawrev-3590	102	31	that	that	PRON
inlawrev-3590	102	32	covers	cover	VERB
inlawrev-3590	102	33	expected	expect	VERB
inlawrev-3590	102	34	costs	cost	NOUN
inlawrev-3590	102	35	.	.	PUNCT
inlawrev-3590	103	1	insurance	insurance	NOUN
inlawrev-3590	103	2	crises	crisis	NOUN
inlawrev-3590	103	3	are	be	AUX
inlawrev-3590	103	4	part	part	NOUN
inlawrev-3590	103	5	of	of	ADP
inlawrev-3590	103	6	a	a	DET
inlawrev-3590	103	7	larger	large	ADJ
inlawrev-3590	103	8	pattern	pattern	NOUN
inlawrev-3590	103	9	of	of	ADP
inlawrev-3590	103	10	pricing	pricing	NOUN
inlawrev-3590	103	11	and	and	CCONJ
inlawrev-3590	103	12	availability	availability	NOUN
inlawrev-3590	103	13	in	in	ADP
inlawrev-3590	103	14	insurance	insurance	NOUN
inlawrev-3590	103	15	markets	market	NOUN
inlawrev-3590	103	16	,	,	PUNCT
inlawrev-3590	103	17	sometimes	sometimes	ADV
inlawrev-3590	103	18	referred	refer	VERB
inlawrev-3590	103	19	to	to	ADP
inlawrev-3590	103	20	as	as	ADP
inlawrev-3590	103	21	the	the	DET
inlawrev-3590	103	22	insurance	insurance	NOUN
inlawrev-3590	103	23	cycle	cycle	NOUN
inlawrev-3590	103	24	.	.	PUNCT
inlawrev-3590	104	1	during	during	ADP
inlawrev-3590	104	2	the	the	DET
inlawrev-3590	104	3	crisis	crisis	NOUN
inlawrev-3590	104	4	phase	phase	NOUN
inlawrev-3590	104	5	,	,	PUNCT
inlawrev-3590	104	6	the	the	DET
inlawrev-3590	104	7	most	most	ADV
inlawrev-3590	104	8	affected	affect	VERB
inlawrev-3590	104	9	lines	line	NOUN
inlawrev-3590	104	10	of	of	ADP
inlawrev-3590	104	11	business	business	NOUN
inlawrev-3590	104	12	experience	experience	NOUN
inlawrev-3590	104	13	rapidly	rapidly	ADV
inlawrev-3590	104	14	increasing	increase	VERB
inlawrev-3590	104	15	prices	price	NOUN
inlawrev-3590	104	16	accompanied	accompany	VERB
inlawrev-3590	104	17	by	by	ADP
inlawrev-3590	104	18	severely	severely	ADV
inlawrev-3590	104	19	restricted	restrict	VERB
inlawrev-3590	104	20	quantity	quantity	NOUN
inlawrev-3590	104	21	.	.	PUNCT
inlawrev-3590	105	1	coverage	coverage	NOUN
inlawrev-3590	105	2	may	may	AUX
inlawrev-3590	105	3	become	become	VERB
inlawrev-3590	105	4	unavailable	unavailable	ADJ
inlawrev-3590	105	5	for	for	ADP
inlawrev-3590	105	6	a	a	DET
inlawrev-3590	105	7	very	very	ADV
inlawrev-3590	105	8	few	few	ADJ
inlawrev-3590	105	9	types	type	NOUN
inlawrev-3590	105	10	of	of	ADP
inlawrev-3590	105	11	losses	loss	NOUN
inlawrev-3590	105	12	and	and	CCONJ
inlawrev-3590	105	13	insureds	insured	NOUN
inlawrev-3590	105	14	.	.	PUNCT
inlawrev-3590	106	1	during	during	ADP
inlawrev-3590	106	2	this	this	DET
inlawrev-3590	106	3	time	time	NOUN
inlawrev-3590	106	4	most	most	ADJ
inlawrev-3590	106	5	insurers	insurer	NOUN
inlawrev-3590	106	6	realize	realize	VERB
inlawrev-3590	106	7	great	great	ADJ
inlawrev-3590	106	8	improvements	improvement	NOUN
inlawrev-3590	106	9	in	in	ADP
inlawrev-3590	106	10	profitability	profitability	NOUN
inlawrev-3590	106	11	and	and	CCONJ
inlawrev-3590	106	12	are	be	AUX
inlawrev-3590	106	13	able	able	ADJ
inlawrev-3590	106	14	to	to	PART
inlawrev-3590	106	15	increase	increase	VERB
inlawrev-3590	106	16	their	their	PRON
inlawrev-3590	106	17	capital	capital	NOUN
inlawrev-3590	106	18	from	from	ADP
inlawrev-3590	106	19	retained	retain	VERB
inlawrev-3590	106	20	earnings	earning	NOUN
inlawrev-3590	106	21	.	.	PUNCT
inlawrev-3590	107	1	over	over	ADP
inlawrev-3590	107	2	time	time	NOUN
inlawrev-3590	107	3	,	,	PUNCT
inlawrev-3590	107	4	the	the	DET
inlawrev-3590	107	5	crisis	crisis	NOUN
inlawrev-3590	107	6	phase	phase	NOUN
inlawrev-3590	107	7	or	or	CCONJ
inlawrev-3590	107	8	tight	tight	ADJ
inlawrev-3590	107	9	market	market	NOUN
inlawrev-3590	107	10	lessens	lessen	NOUN
inlawrev-3590	107	11	and	and	CCONJ
inlawrev-3590	107	12	prices	price	NOUN
inlawrev-3590	107	13	may	may	AUX
inlawrev-3590	107	14	fall	fall	VERB
inlawrev-3590	107	15	as	as	SCONJ
inlawrev-3590	107	16	the	the	DET
inlawrev-3590	107	17	availability	availability	NOUN
inlawrev-3590	107	18	of	of	ADP
inlawrev-3590	107	19	coverage	coverage	NOUN
inlawrev-3590	107	20	significantly	significantly	ADV
inlawrev-3590	107	21	increases	increase	VERB
inlawrev-3590	107	22	.	.	PUNCT
inlawrev-3590	108	1	this	this	DET
inlawrev-3590	108	2	period	period	NOUN
inlawrev-3590	108	3	of	of	ADP
inlawrev-3590	108	4	relative	relative	ADJ
inlawrev-3590	108	5	stability	stability	NOUN
inlawrev-3590	108	6	typically	typically	ADV
inlawrev-3590	108	7	gives	give	VERB
inlawrev-3590	108	8	way	way	NOUN
inlawrev-3590	108	9	eventually	eventually	ADV
inlawrev-3590	108	10	to	to	ADP
inlawrev-3590	108	11	a	a	DET
inlawrev-3590	108	12	soft	soft	ADJ
inlawrev-3590	108	13	market	market	NOUN
inlawrev-3590	108	14	where	where	SCONJ
inlawrev-3590	108	15	prices	price	NOUN
inlawrev-3590	108	16	are	be	AUX
inlawrev-3590	108	17	quite	quite	ADV
inlawrev-3590	108	18	low	low	ADJ
inlawrev-3590	108	19	,	,	PUNCT
inlawrev-3590	108	20	availability	availability	NOUN
inlawrev-3590	108	21	is	be	AUX
inlawrev-3590	108	22	abundant	abundant	ADJ
inlawrev-3590	108	23	,	,	PUNCT
inlawrev-3590	108	24	and	and	CCONJ
inlawrev-3590	108	25	insurer	insurer	NOUN
inlawrev-3590	108	26	profitability	profitability	NOUN
inlawrev-3590	108	27	is	be	AUX
inlawrev-3590	108	28	quite	quite	ADV
inlawrev-3590	108	29	low	low	ADJ
inlawrev-3590	108	30	.	.	PUNCT
inlawrev-3590	109	1	the	the	DET
inlawrev-3590	109	2	soft	soft	ADJ
inlawrev-3590	109	3	market	market	NOUN
inlawrev-3590	109	4	generally	generally	ADV
inlawrev-3590	109	5	persists	persist	VERB
inlawrev-3590	109	6	until	until	SCONJ
inlawrev-3590	109	7	another	another	DET
inlawrev-3590	109	8	large	large	ADJ
inlawrev-3590	109	9	,	,	PUNCT
inlawrev-3590	109	10	unanticipated	unanticipated	ADJ
inlawrev-3590	109	11	industry	industry	NOUN
inlawrev-3590	109	12	loss	loss	NOUN
inlawrev-3590	109	13	reduces	reduce	VERB
inlawrev-3590	109	14	industry	industry	NOUN
inlawrev-3590	109	15	capacity	capacity	NOUN
inlawrev-3590	109	16	to	to	ADP
inlawrev-3590	109	17	the	the	DET
inlawrev-3590	109	18	point	point	NOUN
inlawrev-3590	109	19	where	where	SCONJ
inlawrev-3590	109	20	another	another	DET
inlawrev-3590	109	21	crisis	crisis	NOUN
inlawrev-3590	109	22	arises	arise	VERB
inlawrev-3590	109	23	.	.	PUNCT
inlawrev-3590	110	1	various	various	ADJ
inlawrev-3590	110	2	theories	theory	NOUN
inlawrev-3590	110	3	have	have	AUX
inlawrev-3590	110	4	emerged	emerge	VERB
inlawrev-3590	110	5	through	through	ADP
inlawrev-3590	110	6	the	the	DET
inlawrev-3590	110	7	years	year	NOUN
inlawrev-3590	110	8	to	to	PART
inlawrev-3590	110	9	explain	explain	VERB
inlawrev-3590	110	10	insurers	insurer	NOUN
inlawrev-3590	110	11	'	'	PART
inlawrev-3590	110	12	behavior	behavior	NOUN
inlawrev-3590	110	13	during	during	ADP
inlawrev-3590	110	14	tight	tight	ADJ
inlawrev-3590	110	15	markets	market	NOUN
inlawrev-3590	110	16	.	.	PUNCT
inlawrev-3590	111	1	some	some	DET
inlawrev-3590	111	2	economists	economist	NOUN
inlawrev-3590	111	3	argued	argue	VERB
inlawrev-3590	111	4	that	that	SCONJ
inlawrev-3590	111	5	tightness	tightness	NOUN
inlawrev-3590	111	6	was	be	AUX
inlawrev-3590	111	7	due	due	ADJ
inlawrev-3590	111	8	to	to	ADP
inlawrev-3590	111	9	foolish	foolish	ADJ
inlawrev-3590	111	10	loss	loss	NOUN
inlawrev-3590	111	11	forecasting	forecasting	NOUN
inlawrev-3590	111	12	that	that	PRON
inlawrev-3590	111	13	underpredicted	underpredicte	VERB
inlawrev-3590	111	14	losses	loss	NOUN
inlawrev-3590	111	15	during	during	ADP
inlawrev-3590	111	16	periods	period	NOUN
inlawrev-3590	111	17	of	of	ADP
inlawrev-3590	111	18	rising	rise	VERB
inlawrev-3590	111	19	losses	loss	NOUN
inlawrev-3590	111	20	and	and	CCONJ
inlawrev-3590	111	21	overpredicted	overpredicte	VERB
inlawrev-3590	111	22	them	they	PRON
inlawrev-3590	111	23	during	during	ADP
inlawrev-3590	111	24	periods	period	NOUN
inlawrev-3590	111	25	where	where	SCONJ
inlawrev-3590	111	26	losses	loss	NOUN
inlawrev-3590	111	27	had	have	AUX
inlawrev-3590	111	28	stabilized	stabilize	VERB
inlawrev-3590	111	29	,	,	PUNCT
inlawrev-3590	111	30	rather	rather	ADV
inlawrev-3590	111	31	akin	akin	ADJ
inlawrev-3590	111	32	to	to	ADP
inlawrev-3590	111	33	the	the	DET
inlawrev-3590	111	34	famous	famous	ADJ
inlawrev-3590	111	35	"	"	PUNCT
inlawrev-3590	111	36	cobweb	cobweb	ADJ
inlawrev-3590	111	37	"	"	PUNCT
inlawrev-3590	111	38	model	model	NOUN
inlawrev-3590	111	39	of	of	ADP
inlawrev-3590	111	40	naive	naive	ADJ
inlawrev-3590	111	41	price	price	NOUN
inlawrev-3590	111	42	forecasting	forecasting	NOUN
inlawrev-3590	111	43	in	in	ADP
inlawrev-3590	111	44	elementary	elementary	ADJ
inlawrev-3590	111	45	microeconomic	microeconomic	PROPN
inlawrev-3590	111	46	theory	theory	NOUN
inlawrev-3590	111	47	.	.	PUNCT
inlawrev-3590	112	1	'^	'^	VERB
inlawrev-3590	112	2	the	the	DET
inlawrev-3590	112	3	difficulty	difficulty	NOUN
inlawrev-3590	112	4	with	with	ADP
inlawrev-3590	112	5	this	this	DET
inlawrev-3590	112	6	theory	theory	NOUN
inlawrev-3590	112	7	,	,	PUNCT
inlawrev-3590	112	8	of	of	ADP
inlawrev-3590	112	9	course	course	NOUN
inlawrev-3590	112	10	,	,	PUNCT
inlawrev-3590	112	11	is	be	AUX
inlawrev-3590	112	12	that	that	SCONJ
inlawrev-3590	112	13	it	it	PRON
inlawrev-3590	112	14	relies	rely	VERB
inlawrev-3590	112	15	on	on	ADP
inlawrev-3590	112	16	perpetual	perpetual	ADJ
inlawrev-3590	112	17	stupidity	stupidity	NOUN
inlawrev-3590	112	18	on	on	ADP
inlawrev-3590	112	19	the	the	DET
inlawrev-3590	112	20	part	part	NOUN
inlawrev-3590	112	21	of	of	ADP
inlawrev-3590	112	22	insurance	insurance	NOUN
inlawrev-3590	112	23	actuaries	actuary	NOUN
inlawrev-3590	112	24	,	,	PUNCT
inlawrev-3590	112	25	not	not	PART
inlawrev-3590	112	26	a	a	DET
inlawrev-3590	112	27	very	very	ADV
inlawrev-3590	112	28	appealing	appealing	ADJ
inlawrev-3590	112	29	assumption	assumption	NOUN
inlawrev-3590	112	30	.	.	PUNCT
inlawrev-3590	113	1	it	it	PRON
inlawrev-3590	113	2	also	also	ADV
inlawrev-3590	113	3	fails	fail	VERB
inlawrev-3590	113	4	to	to	PART
inlawrev-3590	113	5	explain	explain	VERB
inlawrev-3590	113	6	why	why	SCONJ
inlawrev-3590	113	7	insurance	insurance	NOUN
inlawrev-3590	113	8	coverage	coverage	NOUN
inlawrev-3590	113	9	might	might	AUX
inlawrev-3590	113	10	become	become	VERB
inlawrev-3590	113	11	unavailable	unavailable	ADJ
inlawrev-3590	113	12	altogether	altogether	ADV
inlawrev-3590	113	13	.	.	PUNCT
inlawrev-3590	114	1	others	other	NOUN
inlawrev-3590	114	2	have	have	AUX
inlawrev-3590	114	3	suggested	suggest	VERB
inlawrev-3590	114	4	that	that	SCONJ
inlawrev-3590	114	5	regulatory	regulatory	ADJ
inlawrev-3590	114	6	drag	drag	NOUN
inlawrev-3590	114	7	contributes	contribute	VERB
inlawrev-3590	114	8	to	to	ADP
inlawrev-3590	114	9	cycles	cycle	NOUN
inlawrev-3590	114	10	,	,	PUNCT
inlawrev-3590	114	11	with	with	ADP
inlawrev-3590	114	12	periods	period	NOUN
inlawrev-3590	114	13	of	of	ADP
inlawrev-3590	114	14	increased	increase	VERB
inlawrev-3590	114	15	losses	loss	NOUN
inlawrev-3590	114	16	followed	follow	VERB
inlawrev-3590	114	17	by	by	ADP
inlawrev-3590	114	18	periods	period	NOUN
inlawrev-3590	114	19	during	during	ADP
inlawrev-3590	114	20	which	which	PRON
inlawrev-3590	114	21	regulators	regulator	NOUN
inlawrev-3590	114	22	constrain	constrain	VERB
inlawrev-3590	114	23	the	the	DET
inlawrev-3590	114	24	ability	ability	NOUN
inlawrev-3590	114	25	ofinsurers	ofinsurer	NOUN
inlawrev-3590	114	26	to	to	PART
inlawrev-3590	114	27	write	write	VERB
inlawrev-3590	114	28	coverage	coverage	NOUN
inlawrev-3590	114	29	in	in	ADP
inlawrev-3590	114	30	order	order	NOUN
inlawrev-3590	114	31	to	to	PART
inlawrev-3590	114	32	protect	protect	VERB
inlawrev-3590	114	33	solvency	solvency	NOUN
inlawrev-3590	114	34	.	.	PUNCT
inlawrev-3590	114	35	'	'	PUNCT
inlawrev-3590	115	1	"	"	PUNCT
inlawrev-3590	115	2	*	*	PUNCT
inlawrev-3590	115	3	these	these	DET
inlawrev-3590	115	4	theories	theory	NOUN
inlawrev-3590	115	5	primarily	primarily	ADV
inlawrev-3590	115	6	aim	aim	VERB
inlawrev-3590	115	7	at	at	ADP
inlawrev-3590	115	8	explaining	explain	VERB
inlawrev-3590	115	9	the	the	DET
inlawrev-3590	115	10	time	time	NOUN
inlawrev-3590	115	11	series	series	NOUN
inlawrev-3590	115	12	pattern	pattern	NOUN
inlawrev-3590	115	13	ofprofitability	ofprofitability	NOUN
inlawrev-3590	115	14	across	across	ADP
inlawrev-3590	115	15	the	the	DET
inlawrev-3590	115	16	cycle	cycle	NOUN
inlawrev-3590	115	17	and	and	CCONJ
inlawrev-3590	115	18	are	be	AUX
inlawrev-3590	115	19	not	not	PART
inlawrev-3590	115	20	well	well	ADV
inlawrev-3590	115	21	suited	suited	ADJ
inlawrev-3590	115	22	to	to	PART
inlawrev-3590	115	23	explain	explain	VERB
inlawrev-3590	115	24	the	the	DET
inlawrev-3590	115	25	quantity	quantity	NOUN
inlawrev-3590	115	26	changes	change	NOUN
inlawrev-3590	115	27	associated	associate	VERB
inlawrev-3590	115	28	with	with	ADP
inlawrev-3590	115	29	profit	profit	NOUN
inlawrev-3590	115	30	movements	movement	NOUN
inlawrev-3590	115	31	over	over	ADP
inlawrev-3590	115	32	the	the	DET
inlawrev-3590	115	33	cycle	cycle	NOUN
inlawrev-3590	115	34	.	.	PUNCT
inlawrev-3590	116	1	the	the	DET
inlawrev-3590	116	2	claim	claim	NOUN
inlawrev-3590	116	3	that	that	SCONJ
inlawrev-3590	116	4	regulation	regulation	NOUN
inlawrev-3590	116	5	is	be	AUX
inlawrev-3590	116	6	the	the	DET
inlawrev-3590	116	7	central	central	ADJ
inlawrev-3590	116	8	reason	reason	NOUN
inlawrev-3590	116	9	for	for	ADP
inlawrev-3590	116	10	cycles	cycle	NOUN
inlawrev-3590	116	11	is	be	AUX
inlawrev-3590	116	12	at	at	ADP
inlawrev-3590	116	13	best	good	ADJ
inlawrev-3590	116	14	incomplete	incomplete	ADJ
inlawrev-3590	116	15	.	.	PUNCT
inlawrev-3590	117	1	reinsurance	reinsurance	NOUN
inlawrev-3590	117	2	markets	market	NOUN
inlawrev-3590	117	3	are	be	AUX
inlawrev-3590	117	4	largely	largely	ADV
inlawrev-3590	117	5	unregulated	unregulate	VERB
inlawrev-3590	117	6	,	,	PUNCT
inlawrev-3590	117	7	for	for	ADP
inlawrev-3590	117	8	example	example	NOUN
inlawrev-3590	117	9	,	,	PUNCT
inlawrev-3590	117	10	yet	yet	CCONJ
inlawrev-3590	117	11	some	some	DET
inlawrev-3590	117	12	ofthe	ofthe	VERB
inlawrev-3590	117	13	most	most	ADV
inlawrev-3590	117	14	prominent	prominent	ADJ
inlawrev-3590	117	15	"	"	PUNCT
inlawrev-3590	117	16	crises	crisis	NOUN
inlawrev-3590	117	17	"	"	PUNCT
inlawrev-3590	117	18	(	(	PUNCT
inlawrev-3590	117	19	including	include	VERB
inlawrev-3590	117	20	the	the	DET
inlawrev-3590	117	21	catastrophic	catastrophic	ADJ
inlawrev-3590	117	22	risk	risk	NOUN
inlawrev-3590	117	23	situation	situation	NOUN
inlawrev-3590	117	24	in	in	ADP
inlawrev-3590	117	25	the	the	DET
inlawrev-3590	117	26	early	early	ADJ
inlawrev-3590	117	27	1990s	1990	NOUN
inlawrev-3590	117	28	and	and	CCONJ
inlawrev-3590	117	29	the	the	DET
inlawrev-3590	117	30	dearth	dearth	NOUN
inlawrev-3590	117	31	of	of	ADP
inlawrev-3590	117	32	terrorism	terrorism	NOUN
inlawrev-3590	117	33	coverage	coverage	NOUN
inlawrev-3590	117	34	)	)	PUNCT
inlawrev-3590	117	35	arose	arise	VERB
inlawrev-3590	117	36	from	from	ADP
inlawrev-3590	117	37	an	an	DET
inlawrev-3590	117	38	unwillingness	unwillingness	NOUN
inlawrev-3590	117	39	of	of	ADP
inlawrev-3590	117	40	reinsurers	reinsurer	NOUN
inlawrev-3590	117	41	to	to	PART
inlawrev-3590	117	42	write	write	VERB
inlawrev-3590	117	43	coverage	coverage	NOUN
inlawrev-3590	117	44	.	.	PUNCT
inlawrev-3590	118	1	with	with	ADP
inlawrev-3590	118	2	particular	particular	ADJ
inlawrev-3590	118	3	reference	reference	NOUN
inlawrev-3590	118	4	to	to	ADP
inlawrev-3590	118	5	the	the	DET
inlawrev-3590	118	6	1980s	1980	NOUN
inlawrev-3590	118	7	'	'	PART
inlawrev-3590	118	8	liability	liability	NOUN
inlawrev-3590	118	9	crisis	crisis	NOUN
inlawrev-3590	118	10	,	,	PUNCT
inlawrev-3590	118	11	still	still	ADV
inlawrev-3590	118	12	other	other	ADJ
inlawrev-3590	118	13	writers	writer	NOUN
inlawrev-3590	118	14	suggested	suggest	VERB
inlawrev-3590	118	15	that	that	SCONJ
inlawrev-3590	118	16	adverse	adverse	ADJ
inlawrev-3590	118	17	selection	selection	NOUN
inlawrev-3590	118	18	in	in	ADP
inlawrev-3590	118	19	the	the	DET
inlawrev-3590	118	20	commercial	commercial	ADJ
inlawrev-3590	118	21	casualty	casualty	NOUN
inlawrev-3590	118	22	market	market	NOUN
inlawrev-3590	118	23	was	be	AUX
inlawrev-3590	118	24	the	the	DET
inlawrev-3590	118	25	problem	problem	NOUN
inlawrev-3590	118	26	.	.	PUNCT
inlawrev-3590	119	1	as	as	SCONJ
inlawrev-3590	119	2	losses	loss	NOUN
inlawrev-3590	119	3	grew	grow	VERB
inlawrev-3590	119	4	due	due	ADJ
inlawrev-3590	119	5	to	to	ADP
inlawrev-3590	119	6	changes	change	NOUN
inlawrev-3590	119	7	in	in	ADP
inlawrev-3590	119	8	liability	liability	NOUN
inlawrev-3590	119	9	rules	rule	NOUN
inlawrev-3590	119	10	,	,	PUNCT
inlawrev-3590	119	11	the	the	DET
inlawrev-3590	119	12	story	story	NOUN
inlawrev-3590	119	13	ran	run	VERB
inlawrev-3590	119	14	,	,	PUNCT
inlawrev-3590	119	15	the	the	DET
inlawrev-3590	119	16	difference	difference	NOUN
inlawrev-3590	119	17	in	in	ADP
inlawrev-3590	119	18	risk	risk	NOUN
inlawrev-3590	119	19	exposure	exposure	NOUN
inlawrev-3590	119	20	between	between	ADP
inlawrev-3590	119	21	"	"	PUNCT
inlawrev-3590	119	22	good	good	ADJ
inlawrev-3590	119	23	types	type	NOUN
inlawrev-3590	119	24	"	"	PUNCT
inlawrev-3590	119	25	and	and	CCONJ
inlawrev-3590	119	26	"	"	PUNCT
inlawrev-3590	119	27	bad	bad	ADJ
inlawrev-3590	119	28	types	type	NOUN
inlawrev-3590	119	29	"	"	PUNCT
inlawrev-3590	119	30	increased	increase	VERB
inlawrev-3590	119	31	,	,	PUNCT
inlawrev-3590	119	32	leading	lead	VERB
inlawrev-3590	119	33	more	more	ADJ
inlawrev-3590	119	34	"	"	PUNCT
inlawrev-3590	119	35	good	good	ADJ
inlawrev-3590	119	36	types	type	NOUN
inlawrev-3590	119	37	"	"	PUNCT
inlawrev-3590	119	38	to	to	PART
inlawrev-3590	119	39	exit	exit	VERB
inlawrev-3590	119	40	the	the	DET
inlawrev-3590	119	41	insurance	insurance	NOUN
inlawrev-3590	119	42	market	market	NOUN
inlawrev-3590	119	43	leaving	leave	VERB
inlawrev-3590	119	44	behind	behind	ADP
inlawrev-3590	119	45	"	"	PUNCT
inlawrev-3590	119	46	bad	bad	ADJ
inlawrev-3590	119	47	13	13	NUM
inlawrev-3590	119	48	.	.	PUNCT
inlawrev-3590	120	1	see	see	VERB
inlawrev-3590	120	2	generally	generally	ADV
inlawrev-3590	120	3	emilio	emilio	PROPN
inlawrev-3590	120	4	c.	c.	PROPN
inlawrev-3590	120	5	venezian	venezian	PROPN
inlawrev-3590	120	6	,	,	PUNCT
inlawrev-3590	120	7	ratemaking	ratemaking	NOUN
inlawrev-3590	120	8	methods	method	NOUN
inlawrev-3590	120	9	and	and	CCONJ
inlawrev-3590	120	10	profit	profit	NOUN
inlawrev-3590	120	11	cycles	cycle	NOUN
inlawrev-3590	120	12	in	in	ADP
inlawrev-3590	120	13	property	property	NOUN
inlawrev-3590	120	14	and	and	CCONJ
inlawrev-3590	120	15	liability	liability	NOUN
inlawrev-3590	120	16	insurance	insurance	NOUN
inlawrev-3590	120	17	,	,	PUNCT
inlawrev-3590	120	18	52	52	NUM
inlawrev-3590	120	19	j.	j.	PROPN
inlawrev-3590	120	20	risk	risk	PROPN
inlawrev-3590	120	21	&	&	CCONJ
inlawrev-3590	120	22	ins	ins	PROPN
inlawrev-3590	120	23	.	.	PUNCT
inlawrev-3590	121	1	477	477	NUM
inlawrev-3590	121	2	(	(	PUNCT
inlawrev-3590	121	3	1985	1985	NUM
inlawrev-3590	121	4	)	)	PUNCT
inlawrev-3590	121	5	.	.	PUNCT
inlawrev-3590	122	1	14	14	NUM
inlawrev-3590	122	2	.	.	X
inlawrev-3590	123	1	j.d	j.d	PROPN
inlawrev-3590	123	2	.	.	PROPN
inlawrev-3590	123	3	cummins	cummins	PROPN
inlawrev-3590	123	4	&	&	CCONJ
inlawrev-3590	123	5	,	,	PUNCT
inlawrev-3590	123	6	j.f	j.f	PROPN
inlawrev-3590	123	7	.	.	PROPN
inlawrev-3590	123	8	outreville	outreville	PROPN
inlawrev-3590	123	9	,	,	PUNCT
inlawrev-3590	123	10	an	an	DET
inlawrev-3590	123	11	international	international	ADJ
inlawrev-3590	123	12	analysis	analysis	NOUN
inlawrev-3590	123	13	of	of	ADP
inlawrev-3590	123	14	underwriting	underwriting	NOUN
inlawrev-3590	123	15	cycles	cycle	NOUN
inlawrev-3590	123	16	in	in	ADP
inlawrev-3590	123	17	property	property	NOUN
inlawrev-3590	123	18	-	-	PUNCT
inlawrev-3590	123	19	liability	liability	NOUN
inlawrev-3590	123	20	insurance	insurance	NOUN
inlawrev-3590	123	21	,	,	PUNCT
inlawrev-3590	123	22	54	54	NUM
inlawrev-3590	123	23	j.	j.	PROPN
inlawrev-3590	123	24	risk	risk	PROPN
inlawrev-3590	123	25	&	&	CCONJ
inlawrev-3590	123	26	ins	ins	PROPN
inlawrev-3590	123	27	.	.	PROPN
inlawrev-3590	124	1	246	246	NUM
inlawrev-3590	124	2	,	,	PUNCT
inlawrev-3590	124	3	250	250	NUM
inlawrev-3590	124	4	(	(	PUNCT
inlawrev-3590	124	5	june	june	PROPN
inlawrev-3590	124	6	1987	1987	NUM
inlawrev-3590	124	7	)	)	PUNCT
inlawrev-3590	124	8	.	.	PUNCT
inlawrev-3590	125	1	2003	2003	NUM
inlawrev-3590	125	2	]	]	PUNCT
inlawrev-3590	125	3	terrorism	terrorism	NOUN
inlawrev-3590	125	4	and	and	CCONJ
inlawrev-3590	125	5	insurance	insurance	NOUN
inlawrev-3590	125	6	markets	market	NOUN
inlawrev-3590	125	7	453	453	NUM
inlawrev-3590	125	8	types	type	NOUN
inlawrev-3590	125	9	"	"	PUNCT
inlawrev-3590	125	10	and	and	CCONJ
inlawrev-3590	125	11	higher	high	ADJ
inlawrev-3590	125	12	premiums	premium	NOUN
inlawrev-3590	125	13	.	.	PUNCT
inlawrev-3590	126	1	'^	'^	NOUN
inlawrev-3590	126	2	this	this	DET
inlawrev-3590	126	3	theory	theory	NOUN
inlawrev-3590	126	4	has	have	VERB
inlawrev-3590	126	5	some	some	DET
inlawrev-3590	126	6	explanatory	explanatory	ADJ
inlawrev-3590	126	7	power	power	NOUN
inlawrev-3590	126	8	,	,	PUNCT
inlawrev-3590	126	9	but	but	CCONJ
inlawrev-3590	126	10	has	have	VERB
inlawrev-3590	126	11	a	a	DET
inlawrev-3590	126	12	more	more	ADV
inlawrev-3590	126	13	difficult	difficult	ADJ
inlawrev-3590	126	14	time	time	NOUN
inlawrev-3590	126	15	with	with	ADP
inlawrev-3590	126	16	crises	crisis	NOUN
inlawrev-3590	126	17	in	in	ADP
inlawrev-3590	126	18	other	other	ADJ
inlawrev-3590	126	19	lines	line	NOUN
inlawrev-3590	126	20	of	of	ADP
inlawrev-3590	126	21	insurance	insurance	NOUN
inlawrev-3590	126	22	such	such	ADJ
inlawrev-3590	126	23	as	as	ADP
inlawrev-3590	126	24	the	the	DET
inlawrev-3590	126	25	recent	recent	ADJ
inlawrev-3590	126	26	catastrophe	catastrophe	NOUN
inlawrev-3590	126	27	insurance	insurance	NOUN
inlawrev-3590	126	28	crisis	crisis	NOUN
inlawrev-3590	126	29	in	in	ADP
inlawrev-3590	126	30	the	the	DET
inlawrev-3590	126	31	early	early	ADJ
inlawrev-3590	126	32	1990s	1990	NOUN
inlawrev-3590	126	33	(	(	PUNCT
inlawrev-3590	126	34	where	where	SCONJ
inlawrev-3590	126	35	adverse	adverse	ADJ
inlawrev-3590	126	36	selection	selection	NOUN
inlawrev-3590	126	37	seems	seem	VERB
inlawrev-3590	126	38	much	much	ADV
inlawrev-3590	126	39	less	less	ADJ
inlawrev-3590	126	40	of	of	ADP
inlawrev-3590	126	41	a	a	DET
inlawrev-3590	126	42	problem	problem	NOUN
inlawrev-3590	126	43	)	)	PUNCT
inlawrev-3590	126	44	,	,	PUNCT
inlawrev-3590	126	45	and	and	CCONJ
inlawrev-3590	126	46	it	it	PRON
inlawrev-3590	126	47	does	do	AUX
inlawrev-3590	126	48	not	not	PART
inlawrev-3590	126	49	explain	explain	VERB
inlawrev-3590	126	50	some	some	DET
inlawrev-3590	126	51	elements	element	NOUN
inlawrev-3590	126	52	of	of	ADP
inlawrev-3590	126	53	the	the	DET
inlawrev-3590	126	54	1980s	1980	NOUN
inlawrev-3590	126	55	'	'	PART
inlawrev-3590	126	56	liability	liability	NOUN
inlawrev-3590	126	57	crisis	crisis	NOUN
inlawrev-3590	126	58	.	.	PUNCT
inlawrev-3590	127	1	for	for	ADP
inlawrev-3590	127	2	example	example	NOUN
inlawrev-3590	127	3	,	,	PUNCT
inlawrev-3590	127	4	many	many	ADJ
inlawrev-3590	127	5	liability	liability	NOUN
inlawrev-3590	127	6	policies	policy	NOUN
inlawrev-3590	127	7	were	be	AUX
inlawrev-3590	127	8	canceled	cancel	VERB
inlawrev-3590	127	9	during	during	ADP
inlawrev-3590	127	10	the	the	DET
inlawrev-3590	127	11	crisis	crisis	NOUN
inlawrev-3590	127	12	,	,	PUNCT
inlawrev-3590	127	13	but	but	CCONJ
inlawrev-3590	127	14	adverse	adverse	ADJ
inlawrev-3590	127	15	selection	selection	NOUN
inlawrev-3590	127	16	should	should	AUX
inlawrev-3590	127	17	not	not	PART
inlawrev-3590	127	18	cause	cause	VERB
inlawrev-3590	127	19	insureds	insured	NOUN
inlawrev-3590	127	20	or	or	CCONJ
inlawrev-3590	127	21	insurers	insurer	NOUN
inlawrev-3590	127	22	to	to	PART
inlawrev-3590	127	23	cancel	cancel	VERB
inlawrev-3590	127	24	insurance	insurance	NOUN
inlawrev-3590	127	25	that	that	PRON
inlawrev-3590	127	26	is	be	AUX
inlawrev-3590	127	27	sold	sell	VERB
inlawrev-3590	127	28	before	before	SCONJ
inlawrev-3590	127	29	the	the	DET
inlawrev-3590	127	30	market	market	NOUN
inlawrev-3590	127	31	begins	begin	VERB
inlawrev-3590	127	32	to	to	PART
inlawrev-3590	127	33	unravel	unravel	VERB
inlawrev-3590	127	34	.	.	PUNCT
inlawrev-3590	128	1	'^	'^	NOUN
inlawrev-3590	128	2	in	in	ADP
inlawrev-3590	128	3	addition	addition	NOUN
inlawrev-3590	128	4	,	,	PUNCT
inlawrev-3590	128	5	if	if	SCONJ
inlawrev-3590	128	6	the	the	DET
inlawrev-3590	128	7	market	market	NOUN
inlawrev-3590	128	8	was	be	AUX
inlawrev-3590	128	9	unraveling	unravel	VERB
inlawrev-3590	128	10	during	during	ADP
inlawrev-3590	128	11	the	the	DET
inlawrev-3590	128	12	liability	liability	NOUN
inlawrev-3590	128	13	insurance	insurance	NOUN
inlawrev-3590	128	14	crisis	crisis	NOUN
inlawrev-3590	128	15	,	,	PUNCT
inlawrev-3590	128	16	why	why	SCONJ
inlawrev-3590	128	17	did	do	AUX
inlawrev-3590	128	18	total	total	ADJ
inlawrev-3590	128	19	premiums	premium	NOUN
inlawrev-3590	128	20	collected	collect	VERB
inlawrev-3590	128	21	approximately	approximately	ADV
inlawrev-3590	128	22	triple?*^	triple?*^	ADP
inlawrev-3590	128	23	an	an	DET
inlawrev-3590	128	24	unraveling	unravel	VERB
inlawrev-3590	128	25	market	market	NOUN
inlawrev-3590	128	26	should	should	AUX
inlawrev-3590	128	27	produce	produce	VERB
inlawrev-3590	128	28	a	a	DET
inlawrev-3590	128	29	drop	drop	NOUN
inlawrev-3590	128	30	in	in	ADP
inlawrev-3590	128	31	premiums	premium	NOUN
inlawrev-3590	128	32	.	.	PUNCT
inlawrev-3590	128	33	'	'	PUNCT
inlawrev-3590	129	1	*	*	PUNCT
inlawrev-3590	129	2	another	another	DET
inlawrev-3590	129	3	line	line	NOUN
inlawrev-3590	129	4	oftheory	oftheory	ADV
inlawrev-3590	129	5	emphasizes	emphasize	VERB
inlawrev-3590	129	6	capital	capital	NOUN
inlawrev-3590	129	7	market	market	NOUN
inlawrev-3590	129	8	constraints	constraint	NOUN
inlawrev-3590	129	9	on	on	ADP
inlawrev-3590	129	10	insurers	insurer	NOUN
inlawrev-3590	129	11	as	as	ADP
inlawrev-3590	129	12	an	an	DET
inlawrev-3590	129	13	explanation	explanation	NOUN
inlawrev-3590	129	14	for	for	ADP
inlawrev-3590	129	15	tightness	tightness	NOUN
inlawrev-3590	129	16	in	in	ADP
inlawrev-3590	129	17	the	the	DET
inlawrev-3590	129	18	market	market	NOUN
inlawrev-3590	129	19	.	.	PUNCT
inlawrev-3590	130	1	'^	'^	VERB
inlawrev-3590	130	2	the	the	DET
inlawrev-3590	130	3	key	key	ADJ
inlawrev-3590	130	4	assumption	assumption	NOUN
inlawrev-3590	130	5	is	be	AUX
inlawrev-3590	130	6	that	that	SCONJ
inlawrev-3590	130	7	external	external	ADJ
inlawrev-3590	130	8	capital	capital	NOUN
inlawrev-3590	130	9	is	be	AUX
inlawrev-3590	130	10	more	more	ADV
inlawrev-3590	130	11	expensive	expensive	ADJ
inlawrev-3590	130	12	than	than	ADP
inlawrev-3590	130	13	internal	internal	ADJ
inlawrev-3590	130	14	capital	capital	NOUN
inlawrev-3590	130	15	.	.	PUNCT
inlawrev-3590	131	1	for	for	ADP
inlawrev-3590	131	2	insurance	insurance	NOUN
inlawrev-3590	131	3	companies	company	NOUN
inlawrev-3590	131	4	in	in	ADP
inlawrev-3590	131	5	particular	particular	ADJ
inlawrev-3590	131	6	,	,	PUNCT
inlawrev-3590	131	7	it	it	PRON
inlawrev-3590	131	8	is	be	AUX
inlawrev-3590	131	9	likely	likely	ADJ
inlawrev-3590	131	10	that	that	SCONJ
inlawrev-3590	131	11	the	the	DET
inlawrev-3590	131	12	capital	capital	NOUN
inlawrev-3590	131	13	markets	market	NOUN
inlawrev-3590	131	14	will	will	AUX
inlawrev-3590	131	15	be	be	AUX
inlawrev-3590	131	16	suspicious	suspicious	ADJ
inlawrev-3590	131	17	ofinsurers	ofinsurer	NOUN
inlawrev-3590	131	18	trying	try	VERB
inlawrev-3590	131	19	to	to	PART
inlawrev-3590	131	20	raise	raise	VERB
inlawrev-3590	131	21	capital	capital	NOUN
inlawrev-3590	131	22	in	in	ADP
inlawrev-3590	131	23	the	the	DET
inlawrev-3590	131	24	face	face	NOUN
inlawrev-3590	131	25	of	of	ADP
inlawrev-3590	131	26	a	a	DET
inlawrev-3590	131	27	recent	recent	ADJ
inlawrev-3590	131	28	increase	increase	NOUN
inlawrev-3590	131	29	in	in	ADP
inlawrev-3590	131	30	loss	loss	NOUN
inlawrev-3590	131	31	payouts	payout	NOUN
inlawrev-3590	131	32	.	.	PUNCT
inlawrev-3590	132	1	some	some	DET
inlawrev-3590	132	2	such	such	ADJ
inlawrev-3590	132	3	insurers	insurer	NOUN
inlawrev-3590	132	4	may	may	AUX
inlawrev-3590	132	5	simply	simply	ADV
inlawrev-3590	132	6	be	be	AUX
inlawrev-3590	132	7	seeking	seek	VERB
inlawrev-3590	132	8	the	the	DET
inlawrev-3590	132	9	reserves	reserve	NOUN
inlawrev-3590	132	10	needed	need	VERB
inlawrev-3590	132	11	to	to	PART
inlawrev-3590	132	12	write	write	VERB
inlawrev-3590	132	13	profitable	profitable	ADJ
inlawrev-3590	132	14	new	new	ADJ
inlawrev-3590	132	15	policies	policy	NOUN
inlawrev-3590	132	16	,	,	PUNCT
inlawrev-3590	132	17	but	but	CCONJ
inlawrev-3590	132	18	others	other	NOUN
inlawrev-3590	132	19	may	may	AUX
inlawrev-3590	132	20	be	be	AUX
inlawrev-3590	132	21	hoping	hope	VERB
inlawrev-3590	132	22	to	to	PART
inlawrev-3590	132	23	externalize	externalize	VERB
inlawrev-3590	132	24	the	the	DET
inlawrev-3590	132	25	costs	cost	NOUN
inlawrev-3590	132	26	of	of	ADP
inlawrev-3590	132	27	expected	expect	VERB
inlawrev-3590	132	28	future	future	ADJ
inlawrev-3590	132	29	losses	loss	NOUN
inlawrev-3590	132	30	to	to	ADP
inlawrev-3590	132	31	unwitting	unwitte	VERB
inlawrev-3590	132	32	new	new	ADJ
inlawrev-3590	132	33	investors	investor	NOUN
inlawrev-3590	132	34	.	.	PUNCT
inlawrev-3590	133	1	if	if	SCONJ
inlawrev-3590	133	2	investors	investor	NOUN
inlawrev-3590	133	3	have	have	VERB
inlawrev-3590	133	4	difficulty	difficulty	NOUN
inlawrev-3590	133	5	telling	tell	VERB
inlawrev-3590	133	6	these	these	DET
inlawrev-3590	133	7	categories	category	NOUN
inlawrev-3590	133	8	ofinsurers	ofinsurer	NOUN
inlawrev-3590	133	9	apart	apart	ADV
inlawrev-3590	133	10	,	,	PUNCT
inlawrev-3590	133	11	all	all	DET
inlawrev-3590	133	12	insurers	insurer	NOUN
inlawrev-3590	133	13	may	may	AUX
inlawrev-3590	133	14	pay	pay	VERB
inlawrev-3590	133	15	a	a	DET
inlawrev-3590	133	16	hefty	hefty	ADJ
inlawrev-3590	133	17	risk	risk	NOUN
inlawrev-3590	133	18	premium	premium	NOUN
inlawrev-3590	133	19	for	for	ADP
inlawrev-3590	133	20	outside	outside	ADJ
inlawrev-3590	133	21	capital	capital	NOUN
inlawrev-3590	133	22	,	,	PUNCT
inlawrev-3590	133	23	especially	especially	ADV
inlawrev-3590	133	24	following	follow	VERB
inlawrev-3590	133	25	a	a	DET
inlawrev-3590	133	26	substantial	substantial	ADJ
inlawrev-3590	133	27	increase	increase	NOUN
inlawrev-3590	133	28	in	in	ADP
inlawrev-3590	133	29	covered	covered	ADJ
inlawrev-3590	133	30	losses	loss	NOUN
inlawrev-3590	133	31	.	.	PUNCT
inlawrev-3590	134	1	in	in	ADP
inlawrev-3590	134	2	general	general	ADJ
inlawrev-3590	134	3	,	,	PUNCT
inlawrev-3590	134	4	when	when	SCONJ
inlawrev-3590	134	5	external	external	ADJ
inlawrev-3590	134	6	capital	capital	NOUN
inlawrev-3590	134	7	is	be	AUX
inlawrev-3590	134	8	more	more	ADV
inlawrev-3590	134	9	expensive	expensive	ADJ
inlawrev-3590	134	10	than	than	ADP
inlawrev-3590	134	11	internal	internal	ADJ
inlawrev-3590	134	12	capital	capital	NOUN
inlawrev-3590	134	13	,	,	PUNCT
inlawrev-3590	134	14	the	the	DET
inlawrev-3590	134	15	value	value	NOUN
inlawrev-3590	134	16	of	of	ADP
inlawrev-3590	134	17	any	any	DET
inlawrev-3590	134	18	firm	firm	NOUN
inlawrev-3590	134	19	is	be	AUX
inlawrev-3590	134	20	likely	likely	ADJ
inlawrev-3590	134	21	to	to	PART
inlawrev-3590	134	22	be	be	AUX
inlawrev-3590	134	23	concave	concave	VERB
inlawrev-3590	134	24	in	in	ADP
inlawrev-3590	134	25	internal	internal	ADJ
inlawrev-3590	134	26	capital	capital	NOUN
inlawrev-3590	134	27	,	,	PUNCT
inlawrev-3590	134	28	causing	cause	VERB
inlawrev-3590	134	29	the	the	DET
inlawrev-3590	134	30	firm	firm	NOUN
inlawrev-3590	134	31	to	to	PART
inlawrev-3590	134	32	act	act	VERB
inlawrev-3590	134	33	as	as	SCONJ
inlawrev-3590	134	34	if	if	SCONJ
inlawrev-3590	134	35	it	it	PRON
inlawrev-3590	134	36	is	be	AUX
inlawrev-3590	134	37	risk	risk	NOUN
inlawrev-3590	134	38	averse.^^	averse.^^	PUNCT
inlawrev-3590	135	1	this	this	DET
inlawrev-3590	135	2	situation	situation	NOUN
inlawrev-3590	135	3	arises	arise	VERB
inlawrev-3590	135	4	from	from	ADP
inlawrev-3590	135	5	the	the	DET
inlawrev-3590	135	6	fact	fact	NOUN
inlawrev-3590	135	7	that	that	SCONJ
inlawrev-3590	135	8	some	some	DET
inlawrev-3590	135	9	positive	positive	ADJ
inlawrev-3590	135	10	value	value	NOUN
inlawrev-3590	135	11	investment	investment	NOUN
inlawrev-3590	135	12	projects	project	NOUN
inlawrev-3590	135	13	will	will	AUX
inlawrev-3590	135	14	be	be	AUX
inlawrev-3590	135	15	profitable	profitable	ADJ
inlawrev-3590	135	16	if	if	SCONJ
inlawrev-3590	135	17	financed	finance	VERB
inlawrev-3590	135	18	using	use	VERB
inlawrev-3590	135	19	internal	internal	ADJ
inlawrev-3590	135	20	funds	fund	NOUN
inlawrev-3590	135	21	but	but	CCONJ
inlawrev-3590	135	22	not	not	PART
inlawrev-3590	135	23	if	if	SCONJ
inlawrev-3590	135	24	financed	finance	VERB
inlawrev-3590	135	25	using	use	VERB
inlawrev-3590	135	26	external	external	ADJ
inlawrev-3590	135	27	funds	fund	NOUN
inlawrev-3590	135	28	.	.	PUNCT
inlawrev-3590	136	1	a	a	DET
inlawrev-3590	136	2	reduction	reduction	NOUN
inlawrev-3590	136	3	in	in	ADP
inlawrev-3590	136	4	available	available	ADJ
inlawrev-3590	136	5	internal	internal	ADJ
inlawrev-3590	136	6	capital	capital	NOUN
inlawrev-3590	136	7	thus	thus	ADV
inlawrev-3590	136	8	reduces	reduce	VERB
inlawrev-3590	136	9	the	the	DET
inlawrev-3590	136	10	firm	firm	NOUN
inlawrev-3590	136	11	's	's	PART
inlawrev-3590	136	12	willingness	willingness	NOUN
inlawrev-3590	136	13	to	to	PART
inlawrev-3590	136	14	undertake	undertake	VERB
inlawrev-3590	136	15	some	some	DET
inlawrev-3590	136	16	new	new	ADJ
inlawrev-3590	136	17	investment	investment	NOUN
inlawrev-3590	136	18	projects	project	NOUN
inlawrev-3590	136	19	,	,	PUNCT
inlawrev-3590	136	20	while	while	SCONJ
inlawrev-3590	136	21	an	an	DET
inlawrev-3590	136	22	increase	increase	NOUN
inlawrev-3590	136	23	in	in	ADP
inlawrev-3590	136	24	internal	internal	ADJ
inlawrev-3590	136	25	capital	capital	NOUN
inlawrev-3590	136	26	makes	make	VERB
inlawrev-3590	136	27	more	more	ADJ
inlawrev-3590	136	28	projects	project	NOUN
inlawrev-3590	136	29	profitable	profitable	ADJ
inlawrev-3590	136	30	.	.	PUNCT
inlawrev-3590	137	1	because	because	SCONJ
inlawrev-3590	137	2	investment	investment	NOUN
inlawrev-3590	137	3	opportunities	opportunity	NOUN
inlawrev-3590	137	4	exhibit	exhibit	VERB
inlawrev-3590	137	5	diminishing	diminishing	NOUN
inlawrev-3590	137	6	returns	return	NOUN
inlawrev-3590	137	7	,	,	PUNCT
inlawrev-3590	137	8	however	however	ADV
inlawrev-3590	137	9	,	,	PUNCT
inlawrev-3590	137	10	a	a	DET
inlawrev-3590	137	11	reduction	reduction	NOUN
inlawrev-3590	137	12	in	in	ADP
inlawrev-3590	137	13	internal	internal	ADJ
inlawrev-3590	137	14	capital	capital	NOUN
inlawrev-3590	137	15	is	be	AUX
inlawrev-3590	137	16	more	more	ADV
inlawrev-3590	137	17	costly	costly	ADJ
inlawrev-3590	137	18	than	than	ADP
inlawrev-3590	137	19	a	a	DET
inlawrev-3590	137	20	comparable	comparable	ADJ
inlawrev-3590	137	21	increase	increase	NOUN
inlawrev-3590	137	22	in	in	ADP
inlawrev-3590	137	23	internal	internal	ADJ
inlawrev-3590	137	24	capital	capital	NOUN
inlawrev-3590	137	25	,	,	PUNCT
inlawrev-3590	137	26	producing	produce	VERB
inlawrev-3590	137	27	the	the	DET
inlawrev-3590	137	28	concavity	concavity	NOUN
inlawrev-3590	137	29	noted	note	VERB
inlawrev-3590	137	30	above	above	ADV
inlawrev-3590	137	31	.	.	PUNCT
inlawrev-3590	138	1	significant	significant	ADJ
inlawrev-3590	138	2	bankruptcy	bankruptcy	NOUN
inlawrev-3590	138	3	costs	cost	NOUN
inlawrev-3590	138	4	can	can	AUX
inlawrev-3590	138	5	produce	produce	VERB
inlawrev-3590	138	6	a	a	DET
inlawrev-3590	138	7	similar	similar	ADJ
inlawrev-3590	138	8	result	result	NOUN
inlawrev-3590	138	9	.	.	PUNCT
inlawrev-3590	139	1	an	an	DET
inlawrev-3590	139	2	insurer	insurer	NOUN
inlawrev-3590	139	3	operating	operate	VERB
inlawrev-3590	139	4	under	under	ADP
inlawrev-3590	139	5	these	these	DET
inlawrev-3590	139	6	conditions	condition	NOUN
inlawrev-3590	139	7	will	will	AUX
inlawrev-3590	139	8	act	act	VERB
inlawrev-3590	139	9	as	as	SCONJ
inlawrev-3590	139	10	if	if	SCONJ
inlawrev-3590	139	11	it	it	PRON
inlawrev-3590	139	12	is	be	AUX
inlawrev-3590	139	13	risk	risk	NOUN
inlawrev-3590	139	14	averse	averse	ADJ
inlawrev-3590	139	15	and	and	CCONJ
inlawrev-3590	139	16	will	will	AUX
inlawrev-3590	139	17	manage	manage	VERB
inlawrev-3590	139	18	its	its	PRON
inlawrev-3590	139	19	insurance	insurance	NOUN
inlawrev-3590	139	20	portfolio	portfolio	NOUN
inlawrev-3590	139	21	to	to	PART
inlawrev-3590	139	22	reduce	reduce	VERB
inlawrev-3590	139	23	the	the	DET
inlawrev-3590	139	24	variance	variance	NOUN
inlawrev-3590	139	25	ofthe	ofthe	ADJ
inlawrev-3590	139	26	returns.^	returns.^	NOUN
inlawrev-3590	139	27	'	'	PUNCT
inlawrev-3590	139	28	as	as	ADP
inlawrev-3590	139	29	a	a	DET
inlawrev-3590	139	30	1	1	NUM
inlawrev-3590	139	31	5	5	NUM
inlawrev-3590	139	32	.	.	PUNCT
inlawrev-3590	140	1	see	see	VERB
inlawrev-3590	140	2	priest	priest	NOUN
inlawrev-3590	140	3	,	,	PUNCT
inlawrev-3590	140	4	supra	supra	PROPN
inlawrev-3590	140	5	note	note	PROPN
inlawrev-3590	140	6	10	10	NUM
inlawrev-3590	140	7	,	,	PUNCT
inlawrev-3590	140	8	at	at	ADP
inlawrev-3590	140	9	1562	1562	NUM
inlawrev-3590	140	10	;	;	PUNCT
inlawrev-3590	140	11	ralph	ralph	PROPN
inlawrev-3590	140	12	a.	a.	PROPN
inlawrev-3590	140	13	winter	winter	PROPN
inlawrev-3590	140	14	,	,	PUNCT
inlawrev-3590	140	15	the	the	DET
inlawrev-3590	140	16	liability	liability	NOUN
inlawrev-3590	140	17	insurance	insurance	NOUN
inlawrev-3590	140	18	market	market	NOUN
inlawrev-3590	140	19	,	,	PUNCT
inlawrev-3590	140	20	5	5	NUM
inlawrev-3590	140	21	j.	j.	PROPN
inlawrev-3590	140	22	econ	econ	PROPN
inlawrev-3590	140	23	.	.	PUNCT
inlawrev-3590	141	1	persp	persp	PROPN
inlawrev-3590	141	2	.	.	PUNCT
inlawrev-3590	142	1	115	115	NUM
inlawrev-3590	142	2	,	,	PUNCT
inlawrev-3590	142	3	123	123	NUM
inlawrev-3590	142	4	,	,	PUNCT
inlawrev-3590	142	5	124	124	NUM
inlawrev-3590	142	6	,	,	PUNCT
inlawrev-3590	142	7	131	131	NUM
inlawrev-3590	142	8	(	(	PUNCT
inlawrev-3590	142	9	summer	summer	NOUN
inlawrev-3590	142	10	1991	1991	NUM
inlawrev-3590	142	11	)	)	PUNCT
inlawrev-3590	142	12	.	.	PUNCT
inlawrev-3590	143	1	1	1	NUM
inlawrev-3590	143	2	6	6	NUM
inlawrev-3590	143	3	.	.	PUNCT
inlawrev-3590	144	1	see	see	VERB
inlawrev-3590	144	2	anne	anne	PROPN
inlawrev-3590	144	3	gron	gron	PROPN
inlawrev-3590	144	4	&	&	CCONJ
inlawrev-3590	144	5	andrew	andrew	PROPN
inlawrev-3590	144	6	winton	winton	PROPN
inlawrev-3590	144	7	,	,	PUNCT
inlawrev-3590	144	8	risk	risk	NOUN
inlawrev-3590	144	9	overhang	overhang	NOUN
inlawrev-3590	144	10	andmarket	andmarket	ADJ
inlawrev-3590	144	11	behavior	behavior	NOUN
inlawrev-3590	144	12	,	,	PUNCT
inlawrev-3590	144	13	74	74	NUM
inlawrev-3590	144	14	j.	j.	PROPN
inlawrev-3590	144	15	bus	bus	PROPN
inlawrev-3590	144	16	.	.	PUNCT
inlawrev-3590	145	1	59	59	NUM
inlawrev-3590	145	2	1	1	NUM
inlawrev-3590	145	3	,	,	PUNCT
inlawrev-3590	145	4	606(2001	606(2001	NOUN
inlawrev-3590	145	5	)	)	PUNCT
inlawrev-3590	145	6	.	.	PUNCT
inlawrev-3590	146	1	17	17	NUM
inlawrev-3590	146	2	.	.	PUNCT
inlawrev-3590	147	1	see	see	VERB
inlawrev-3590	147	2	winter	winter	NOUN
inlawrev-3590	147	3	,	,	PUNCT
inlawrev-3590	147	4	supra	supra	PROPN
inlawrev-3590	147	5	note	note	PROPN
inlawrev-3590	147	6	15	15	NUM
inlawrev-3590	147	7	,	,	PUNCT
inlawrev-3590	147	8	at	at	ADP
inlawrev-3590	147	9	126	126	NUM
inlawrev-3590	147	10	(	(	PUNCT
inlawrev-3590	147	11	reporting	report	VERB
inlawrev-3590	147	12	that	that	SCONJ
inlawrev-3590	147	13	net	net	ADJ
inlawrev-3590	147	14	premiums	premium	NOUN
inlawrev-3590	147	15	written	write	VERB
inlawrev-3590	147	16	rose	rise	VERB
inlawrev-3590	147	17	from	from	ADP
inlawrev-3590	147	18	$	$	SYM
inlawrev-3590	147	19	6.5	6.5	NUM
inlawrev-3590	147	20	billion	billion	NUM
inlawrev-3590	147	21	to	to	PART
inlawrev-3590	147	22	$	$	SYM
inlawrev-3590	147	23	19	19	NUM
inlawrev-3590	147	24	billion	billion	NUM
inlawrev-3590	147	25	during	during	ADP
inlawrev-3590	147	26	the	the	DET
inlawrev-3590	147	27	1984	1984	NUM
inlawrev-3590	147	28	-	-	SYM
inlawrev-3590	147	29	86	86	NUM
inlawrev-3590	147	30	episode	episode	NOUN
inlawrev-3590	147	31	)	)	PUNCT
inlawrev-3590	147	32	.	.	PUNCT
inlawrev-3590	148	1	18	18	NUM
inlawrev-3590	148	2	.	.	PUNCT
inlawrev-3590	149	1	i	i	PRON
inlawrev-3590	149	2	d.	d.	PROPN
inlawrev-3590	149	3	19	19	NUM
inlawrev-3590	149	4	.	.	PUNCT
inlawrev-3590	149	5	see	see	VERB
inlawrev-3590	149	6	anne	anne	PROPN
inlawrev-3590	149	7	gron	gron	PROPN
inlawrev-3590	149	8	,	,	PUNCT
inlawrev-3590	149	9	capacity	capacity	NOUN
inlawrev-3590	149	10	constraints	constraint	NOUN
inlawrev-3590	149	11	and	and	CCONJ
inlawrev-3590	149	12	cycles	cycle	NOUN
inlawrev-3590	149	13	in	in	ADP
inlawrev-3590	149	14	property	property	NOUN
inlawrev-3590	149	15	-	-	PUNCT
inlawrev-3590	149	16	casualty	casualty	NOUN
inlawrev-3590	149	17	insurance	insurance	NOUN
inlawrev-3590	149	18	markets	market	NOUN
inlawrev-3590	149	19	,	,	PUNCT
inlawrev-3590	149	20	25	25	NUM
inlawrev-3590	149	21	rand	rand	NOUN
inlawrev-3590	149	22	j.	j.	PROPN
inlawrev-3590	149	23	econ	econ	PROPN
inlawrev-3590	149	24	.	.	PROPN
inlawrev-3590	150	1	1	1	NUM
inlawrev-3590	150	2	10	10	NUM
inlawrev-3590	150	3	,	,	PUNCT
inlawrev-3590	150	4	1	1	NUM
inlawrev-3590	150	5	12	12	NUM
inlawrev-3590	150	6	(	(	PUNCT
inlawrev-3590	150	7	spring	spring	NOUN
inlawrev-3590	150	8	1994	1994	NUM
inlawrev-3590	150	9	)	)	PUNCT
inlawrev-3590	150	10	;	;	PUNCT
inlawrev-3590	150	11	gron	gron	PROPN
inlawrev-3590	150	12	&	&	CCONJ
inlawrev-3590	150	13	winton	winton	PROPN
inlawrev-3590	150	14	,	,	PUNCT
inlawrev-3590	150	15	supra	supra	PROPN
inlawrev-3590	150	16	note	note	NOUN
inlawrev-3590	150	17	16	16	NUM
inlawrev-3590	150	18	.	.	PUNCT
inlawrev-3590	151	1	20	20	NUM
inlawrev-3590	151	2	.	.	PUNCT
inlawrev-3590	152	1	gron	gron	PROPN
inlawrev-3590	152	2	&	&	CCONJ
inlawrev-3590	152	3	winton	winton	PROPN
inlawrev-3590	152	4	,	,	PUNCT
inlawrev-3590	152	5	supra	supra	PROPN
inlawrev-3590	152	6	note	note	PROPN
inlawrev-3590	152	7	16	16	NUM
inlawrev-3590	152	8	,	,	PUNCT
inlawrev-3590	152	9	at	at	ADP
inlawrev-3590	152	10	594	594	NUM
inlawrev-3590	152	11	,	,	PUNCT
inlawrev-3590	152	12	607	607	NUM
inlawrev-3590	152	13	.	.	NOUN
inlawrev-3590	152	14	2	2	NUM
inlawrev-3590	152	15	1	1	NUM
inlawrev-3590	152	16	.	.	PUNCT
inlawrev-3590	153	1	the	the	DET
inlawrev-3590	153	2	same	same	ADJ
inlawrev-3590	153	3	argument	argument	NOUN
inlawrev-3590	153	4	applies	apply	VERB
inlawrev-3590	153	5	to	to	ADP
inlawrev-3590	153	6	the	the	DET
inlawrev-3590	153	7	typical	typical	ADJ
inlawrev-3590	153	8	corporation	corporation	NOUN
inlawrev-3590	153	9	,	,	PUNCT
inlawrev-3590	153	10	offering	offer	VERB
inlawrev-3590	153	11	an	an	DET
inlawrev-3590	153	12	explanation	explanation	NOUN
inlawrev-3590	153	13	of	of	ADP
inlawrev-3590	153	14	why	why	SCONJ
inlawrev-3590	153	15	otherwise	otherwise	ADV
inlawrev-3590	153	16	risk	risk	VERB
inlawrev-3590	153	17	neutral	neutral	ADJ
inlawrev-3590	153	18	firms	firm	NOUN
inlawrev-3590	153	19	purchase	purchase	VERB
inlawrev-3590	153	20	insurance	insurance	NOUN
inlawrev-3590	153	21	and	and	CCONJ
inlawrev-3590	153	22	engage	engage	VERB
inlawrev-3590	153	23	in	in	ADP
inlawrev-3590	153	24	other	other	ADJ
inlawrev-3590	153	25	forms	form	NOUN
inlawrev-3590	153	26	of	of	ADP
inlawrev-3590	153	27	risk	risk	NOUN
inlawrev-3590	153	28	management	management	NOUN
inlawrev-3590	153	29	.	.	PUNCT
inlawrev-3590	154	1	a	a	DET
inlawrev-3590	154	2	454	454	NUM
inlawrev-3590	154	3	indiana	indiana	PROPN
inlawrev-3590	154	4	law	law	NOUN
inlawrev-3590	154	5	review	review	NOUN
inlawrev-3590	155	1	[	[	X
inlawrev-3590	155	2	vol	vol	NOUN
inlawrev-3590	155	3	.	.	PUNCT
inlawrev-3590	156	1	36:447	36:447	NUM
inlawrev-3590	156	2	result	result	NOUN
inlawrev-3590	156	3	,	,	PUNCT
inlawrev-3590	156	4	the	the	DET
inlawrev-3590	156	5	insurer	insurer	NOUN
inlawrev-3590	156	6	will	will	AUX
inlawrev-3590	156	7	require	require	VERB
inlawrev-3590	156	8	a	a	DET
inlawrev-3590	156	9	positive	positive	ADJ
inlawrev-3590	156	10	risk	risk	NOUN
inlawrev-3590	156	11	premium	premium	NOUN
inlawrev-3590	156	12	to	to	PART
inlawrev-3590	156	13	assume	assume	VERB
inlawrev-3590	156	14	risks	risk	NOUN
inlawrev-3590	156	15	that	that	PRON
inlawrev-3590	156	16	are	be	AUX
inlawrev-3590	156	17	positively	positively	ADV
inlawrev-3590	156	18	correlated	correlate	VERB
inlawrev-3590	156	19	with	with	ADP
inlawrev-3590	156	20	other	other	ADJ
inlawrev-3590	156	21	risks	risk	NOUN
inlawrev-3590	156	22	in	in	ADP
inlawrev-3590	156	23	the	the	DET
inlawrev-3590	156	24	portfolio	portfolio	NOUN
inlawrev-3590	156	25	(	(	PUNCT
inlawrev-3590	156	26	a	a	DET
inlawrev-3590	156	27	negative	negative	ADJ
inlawrev-3590	156	28	*	*	PUNCT
inlawrev-3590	156	29	'	'	NOUN
inlawrev-3590	156	30	risk	risk	NOUN
inlawrev-3590	156	31	premium	premium	NOUN
inlawrev-3590	156	32	"	"	PUNCT
inlawrev-3590	156	33	is	be	AUX
inlawrev-3590	156	34	also	also	ADV
inlawrev-3590	156	35	possible	possible	ADJ
inlawrev-3590	156	36	as	as	SCONJ
inlawrev-3590	156	37	to	to	ADP
inlawrev-3590	156	38	risks	risk	NOUN
inlawrev-3590	156	39	that	that	PRON
inlawrev-3590	156	40	are	be	AUX
inlawrev-3590	156	41	negatively	negatively	ADV
inlawrev-3590	156	42	correlated	correlate	VERB
inlawrev-3590	156	43	with	with	ADP
inlawrev-3590	156	44	the	the	DET
inlawrev-3590	156	45	other	other	ADJ
inlawrev-3590	156	46	risks	risk	NOUN
inlawrev-3590	156	47	in	in	ADP
inlawrev-3590	156	48	the	the	DET
inlawrev-3590	156	49	portfolio).^^	portfolio).^^	NOUN
inlawrev-3590	156	50	insurers	insurer	NOUN
inlawrev-3590	156	51	who	who	PRON
inlawrev-3590	156	52	effectively	effectively	ADV
inlawrev-3590	156	53	diversify	diversify	VERB
inlawrev-3590	156	54	their	their	PRON
inlawrev-3590	156	55	insurance	insurance	NOUN
inlawrev-3590	156	56	portfolios	portfolio	NOUN
inlawrev-3590	156	57	will	will	AUX
inlawrev-3590	156	58	be	be	AUX
inlawrev-3590	156	59	able	able	ADJ
inlawrev-3590	156	60	to	to	PART
inlawrev-3590	156	61	offer	offer	VERB
inlawrev-3590	156	62	lower	low	ADJ
inlawrev-3590	156	63	prices	price	NOUN
inlawrev-3590	156	64	(	(	PUNCT
inlawrev-3590	156	65	for	for	ADP
inlawrev-3590	156	66	a	a	DET
inlawrev-3590	156	67	given	give	VERB
inlawrev-3590	156	68	probability	probability	NOUN
inlawrev-3590	156	69	of	of	ADP
inlawrev-3590	156	70	bankruptcy	bankruptcy	NOUN
inlawrev-3590	156	71	)	)	PUNCT
inlawrev-3590	156	72	.	.	PUNCT
inlawrev-3590	157	1	competition	competition	NOUN
inlawrev-3590	157	2	among	among	ADP
inlawrev-3590	157	3	insurers	insurer	NOUN
inlawrev-3590	157	4	will	will	AUX
inlawrev-3590	157	5	thus	thus	ADV
inlawrev-3590	157	6	lead	lead	VERB
inlawrev-3590	157	7	insurers	insurer	NOUN
inlawrev-3590	157	8	to	to	PART
inlawrev-3590	157	9	manage	manage	VERB
inlawrev-3590	157	10	their	their	PRON
inlawrev-3590	157	11	insurance	insurance	NOUN
inlawrev-3590	157	12	portfolios	portfolio	NOUN
inlawrev-3590	157	13	to	to	PART
inlawrev-3590	157	14	diversify	diversify	VERB
inlawrev-3590	157	15	risks	risk	NOUN
inlawrev-3590	157	16	either	either	CCONJ
inlawrev-3590	157	17	by	by	ADP
inlawrev-3590	157	18	directly	directly	ADV
inlawrev-3590	157	19	adjusting	adjust	VERB
inlawrev-3590	157	20	their	their	PRON
inlawrev-3590	157	21	exposures	exposure	NOUN
inlawrev-3590	157	22	sold	sell	VERB
inlawrev-3590	157	23	or	or	CCONJ
inlawrev-3590	157	24	by	by	ADP
inlawrev-3590	157	25	the	the	DET
inlawrev-3590	157	26	use	use	NOUN
inlawrev-3590	157	27	of	of	ADP
inlawrev-3590	157	28	various	various	ADJ
inlawrev-3590	157	29	types	type	NOUN
inlawrev-3590	157	30	ofreinsurance.^^	ofreinsurance.^^	PUNCT
inlawrev-3590	157	31	as	as	ADP
inlawrev-3590	157	32	a	a	DET
inlawrev-3590	157	33	result	result	NOUN
inlawrev-3590	157	34	,	,	PUNCT
inlawrev-3590	157	35	the	the	DET
inlawrev-3590	157	36	risk	risk	NOUN
inlawrev-3590	157	37	premia	premia	NOUN
inlawrev-3590	157	38	required	require	VERB
inlawrev-3590	157	39	by	by	ADP
inlawrev-3590	157	40	different	different	ADJ
inlawrev-3590	157	41	insurers	insurer	NOUN
inlawrev-3590	157	42	for	for	ADP
inlawrev-3590	157	43	the	the	DET
inlawrev-3590	157	44	same	same	ADJ
inlawrev-3590	157	45	type	type	NOUN
inlawrev-3590	157	46	of	of	ADP
inlawrev-3590	157	47	risk	risk	NOUN
inlawrev-3590	157	48	will	will	AUX
inlawrev-3590	157	49	tend	tend	VERB
inlawrev-3590	157	50	to	to	PART
inlawrev-3590	157	51	converge	converge	VERB
inlawrev-3590	157	52	.	.	PUNCT
inlawrev-3590	158	1	with	with	ADP
inlawrev-3590	158	2	this	this	DET
inlawrev-3590	158	3	background	background	NOUN
inlawrev-3590	158	4	,	,	PUNCT
inlawrev-3590	158	5	it	it	PRON
inlawrev-3590	158	6	is	be	AUX
inlawrev-3590	158	7	easy	easy	ADJ
inlawrev-3590	158	8	to	to	PART
inlawrev-3590	158	9	see	see	VERB
inlawrev-3590	158	10	how	how	SCONJ
inlawrev-3590	158	11	internal	internal	ADJ
inlawrev-3590	158	12	capital	capital	NOUN
inlawrev-3590	158	13	affects	affect	VERB
inlawrev-3590	158	14	the	the	DET
inlawrev-3590	158	15	"	"	PUNCT
inlawrev-3590	158	16	capacity	capacity	NOUN
inlawrev-3590	158	17	"	"	PUNCT
inlawrev-3590	158	18	of	of	ADP
inlawrev-3590	158	19	the	the	DET
inlawrev-3590	158	20	insurance	insurance	NOUN
inlawrev-3590	158	21	industry	industry	NOUN
inlawrev-3590	158	22	.	.	PUNCT
inlawrev-3590	159	1	the	the	DET
inlawrev-3590	159	2	capacity	capacity	NOUN
inlawrev-3590	159	3	theory	theory	NOUN
inlawrev-3590	159	4	of	of	ADP
inlawrev-3590	159	5	cycles	cycle	NOUN
inlawrev-3590	159	6	posits	posit	NOUN
inlawrev-3590	159	7	that	that	SCONJ
inlawrev-3590	159	8	insurance	insurance	NOUN
inlawrev-3590	159	9	crises	crisis	NOUN
inlawrev-3590	159	10	arise	arise	VERB
inlawrev-3590	159	11	from	from	ADP
inlawrev-3590	159	12	a	a	DET
inlawrev-3590	159	13	temporary	temporary	ADJ
inlawrev-3590	159	14	shortage	shortage	NOUN
inlawrev-3590	159	15	of	of	ADP
inlawrev-3590	159	16	industry	industry	NOUN
inlawrev-3590	159	17	capital	capital	NOUN
inlawrev-3590	159	18	.	.	PUNCT
inlawrev-3590	160	1	to	to	PART
inlawrev-3590	160	2	go	go	VERB
inlawrev-3590	160	3	from	from	ADP
inlawrev-3590	160	4	the	the	DET
inlawrev-3590	160	5	firm	firm	ADJ
inlawrev-3590	160	6	level	level	NOUN
inlawrev-3590	160	7	discussion	discussion	NOUN
inlawrev-3590	160	8	above	above	ADP
inlawrev-3590	160	9	to	to	ADP
inlawrev-3590	160	10	what	what	PRON
inlawrev-3590	160	11	happens	happen	VERB
inlawrev-3590	160	12	at	at	ADP
inlawrev-3590	160	13	the	the	DET
inlawrev-3590	160	14	industry	industry	NOUN
inlawrev-3590	160	15	level	level	NOUN
inlawrev-3590	160	16	,	,	PUNCT
inlawrev-3590	160	17	note	note	VERB
inlawrev-3590	160	18	that	that	SCONJ
inlawrev-3590	160	19	because	because	SCONJ
inlawrev-3590	160	20	each	each	DET
inlawrev-3590	160	21	insurer	insurer	NOUN
inlawrev-3590	160	22	's	's	PART
inlawrev-3590	160	23	ability	ability	NOUN
inlawrev-3590	160	24	to	to	PART
inlawrev-3590	160	25	bear	bear	VERB
inlawrev-3590	160	26	risk	risk	NOUN
inlawrev-3590	160	27	is	be	AUX
inlawrev-3590	160	28	related	relate	VERB
inlawrev-3590	160	29	to	to	ADP
inlawrev-3590	160	30	its	its	PRON
inlawrev-3590	160	31	individual	individual	ADJ
inlawrev-3590	160	32	level	level	NOUN
inlawrev-3590	160	33	of	of	ADP
inlawrev-3590	160	34	capital	capital	NOUN
inlawrev-3590	160	35	,	,	PUNCT
inlawrev-3590	160	36	the	the	DET
inlawrev-3590	160	37	aggregate	aggregate	ADJ
inlawrev-3590	160	38	risk	risk	NOUN
inlawrev-3590	160	39	that	that	SCONJ
inlawrev-3590	160	40	the	the	DET
inlawrev-3590	160	41	industry	industry	NOUN
inlawrev-3590	160	42	will	will	AUX
inlawrev-3590	160	43	assume	assume	VERB
inlawrev-3590	160	44	at	at	ADP
inlawrev-3590	160	45	a	a	DET
inlawrev-3590	160	46	reasonable	reasonable	ADJ
inlawrev-3590	160	47	probability	probability	NOUN
inlawrev-3590	160	48	of	of	ADP
inlawrev-3590	160	49	solvency	solvency	NOUN
inlawrev-3590	160	50	is	be	AUX
inlawrev-3590	160	51	related	relate	VERB
inlawrev-3590	160	52	to	to	ADP
inlawrev-3590	160	53	the	the	DET
inlawrev-3590	160	54	aggregate	aggregate	ADJ
inlawrev-3590	160	55	level	level	NOUN
inlawrev-3590	160	56	of	of	ADP
inlawrev-3590	160	57	capital	capital	NOUN
inlawrev-3590	160	58	that	that	PRON
inlawrev-3590	160	59	insurers	insurer	NOUN
inlawrev-3590	160	60	have	have	VERB
inlawrev-3590	160	61	in	in	ADP
inlawrev-3590	160	62	the	the	DET
inlawrev-3590	160	63	short	short	ADJ
inlawrev-3590	160	64	run	run	NOUN
inlawrev-3590	160	65	.	.	PUNCT
inlawrev-3590	161	1	the	the	DET
inlawrev-3590	161	2	level	level	NOUN
inlawrev-3590	161	3	of	of	ADP
inlawrev-3590	161	4	capital	capital	NOUN
inlawrev-3590	161	5	in	in	ADP
inlawrev-3590	161	6	the	the	DET
inlawrev-3590	161	7	industry	industry	NOUN
inlawrev-3590	161	8	is	be	AUX
inlawrev-3590	161	9	subject	subject	ADJ
inlawrev-3590	161	10	to	to	ADP
inlawrev-3590	161	11	random	random	ADJ
inlawrev-3590	161	12	shocks	shock	NOUN
inlawrev-3590	161	13	arising	arise	VERB
inlawrev-3590	161	14	from	from	ADP
inlawrev-3590	161	15	shocks	shock	NOUN
inlawrev-3590	161	16	to	to	ADP
inlawrev-3590	161	17	asset	asset	NOUN
inlawrev-3590	161	18	values	value	NOUN
inlawrev-3590	161	19	and	and	CCONJ
inlawrev-3590	161	20	unexpected	unexpected	ADJ
inlawrev-3590	161	21	loss	loss	NOUN
inlawrev-3590	161	22	realizations	realization	NOUN
inlawrev-3590	161	23	.	.	PUNCT
inlawrev-3590	162	1	unexpected	unexpected	ADJ
inlawrev-3590	162	2	losses	loss	NOUN
inlawrev-3590	162	3	can	can	AUX
inlawrev-3590	162	4	come	come	VERB
inlawrev-3590	162	5	from	from	ADP
inlawrev-3590	162	6	several	several	ADJ
inlawrev-3590	162	7	sources	source	NOUN
inlawrev-3590	162	8	but	but	CCONJ
inlawrev-3590	162	9	often	often	ADV
inlawrev-3590	162	10	arise	arise	VERB
inlawrev-3590	162	11	when	when	SCONJ
inlawrev-3590	162	12	insurers	insurer	NOUN
inlawrev-3590	162	13	have	have	AUX
inlawrev-3590	162	14	underestimated	underestimate	VERB
inlawrev-3590	162	15	the	the	DET
inlawrev-3590	162	16	probability	probability	NOUN
inlawrev-3590	162	17	or	or	CCONJ
inlawrev-3590	162	18	severity	severity	NOUN
inlawrev-3590	162	19	of	of	ADP
inlawrev-3590	162	20	large	large	ADJ
inlawrev-3590	162	21	losses	loss	NOUN
inlawrev-3590	162	22	.	.	PUNCT
inlawrev-3590	163	1	unusually	unusually	ADV
inlawrev-3590	163	2	large	large	ADJ
inlawrev-3590	163	3	and	and	CCONJ
inlawrev-3590	163	4	unexpected	unexpected	ADJ
inlawrev-3590	163	5	declines	decline	NOUN
inlawrev-3590	163	6	in	in	ADP
inlawrev-3590	163	7	industry	industry	NOUN
inlawrev-3590	163	8	capital	capital	NOUN
inlawrev-3590	163	9	will	will	AUX
inlawrev-3590	163	10	result	result	VERB
inlawrev-3590	163	11	in	in	ADP
inlawrev-3590	163	12	a	a	DET
inlawrev-3590	163	13	temporary	temporary	ADJ
inlawrev-3590	163	14	capacity	capacity	NOUN
inlawrev-3590	163	15	shortfall	shortfall	NOUN
inlawrev-3590	163	16	.	.	PUNCT
inlawrev-3590	164	1	after	after	ADP
inlawrev-3590	164	2	a	a	DET
inlawrev-3590	164	3	large	large	ADJ
inlawrev-3590	164	4	shock	shock	NOUN
inlawrev-3590	164	5	that	that	PRON
inlawrev-3590	164	6	changes	change	VERB
inlawrev-3590	164	7	the	the	DET
inlawrev-3590	164	8	perceived	perceive	VERB
inlawrev-3590	164	9	probability	probability	NOUN
inlawrev-3590	164	10	distribution	distribution	NOUN
inlawrev-3590	164	11	of	of	ADP
inlawrev-3590	164	12	losses	loss	NOUN
inlawrev-3590	164	13	,	,	PUNCT
inlawrev-3590	164	14	insurers	insurer	NOUN
inlawrev-3590	164	15	will	will	AUX
inlawrev-3590	164	16	update	update	VERB
inlawrev-3590	164	17	their	their	PRON
inlawrev-3590	164	18	estimate	estimate	NOUN
inlawrev-3590	164	19	of	of	ADP
inlawrev-3590	164	20	their	their	PRON
inlawrev-3590	164	21	existing	exist	VERB
inlawrev-3590	164	22	exposure	exposure	NOUN
inlawrev-3590	164	23	to	to	PART
inlawrev-3590	164	24	risk	risk	NOUN
inlawrev-3590	164	25	associated	associate	VERB
inlawrev-3590	164	26	with	with	ADP
inlawrev-3590	164	27	policies	policy	NOUN
inlawrev-3590	164	28	currently	currently	ADV
inlawrev-3590	164	29	outstanding	outstanding	ADJ
inlawrev-3590	164	30	.	.	PUNCT
inlawrev-3590	165	1	because	because	SCONJ
inlawrev-3590	165	2	of	of	ADP
inlawrev-3590	165	3	their	their	PRON
inlawrev-3590	165	4	limited	limited	ADJ
inlawrev-3590	165	5	capital	capital	NOUN
inlawrev-3590	165	6	and	and	CCONJ
inlawrev-3590	165	7	increased	increase	VERB
inlawrev-3590	165	8	exposure	exposure	NOUN
inlawrev-3590	165	9	to	to	ADP
inlawrev-3590	165	10	the	the	DET
inlawrev-3590	165	11	risk	risk	NOUN
inlawrev-3590	165	12	in	in	ADP
inlawrev-3590	165	13	question	question	NOUN
inlawrev-3590	165	14	,	,	PUNCT
inlawrev-3590	165	15	insurers	insurer	NOUN
inlawrev-3590	165	16	will	will	AUX
inlawrev-3590	165	17	require	require	VERB
inlawrev-3590	165	18	a	a	DET
inlawrev-3590	165	19	larger	large	ADJ
inlawrev-3590	165	20	risk	risk	NOUN
inlawrev-3590	165	21	premium	premium	NOUN
inlawrev-3590	165	22	to	to	PART
inlawrev-3590	165	23	bear	bear	VERB
inlawrev-3590	165	24	additional	additional	ADJ
inlawrev-3590	165	25	risk	risk	NOUN
inlawrev-3590	165	26	of	of	ADP
inlawrev-3590	165	27	this	this	DET
inlawrev-3590	165	28	sort	sort	NOUN
inlawrev-3590	165	29	.	.	PUNCT
inlawrev-3590	166	1	many	many	ADJ
inlawrev-3590	166	2	insurers	insurer	NOUN
inlawrev-3590	166	3	may	may	AUX
inlawrev-3590	166	4	want	want	VERB
inlawrev-3590	166	5	to	to	PART
inlawrev-3590	166	6	cede	cede	VERB
inlawrev-3590	166	7	this	this	DET
inlawrev-3590	166	8	risk	risk	NOUN
inlawrev-3590	166	9	rather	rather	ADV
inlawrev-3590	166	10	than	than	ADP
inlawrev-3590	166	11	assuming	assume	VERB
inlawrev-3590	166	12	more	more	ADJ
inlawrev-3590	166	13	.	.	PUNCT
inlawrev-3590	167	1	if	if	SCONJ
inlawrev-3590	167	2	reinsurance	reinsurance	NOUN
inlawrev-3590	167	3	is	be	AUX
inlawrev-3590	167	4	available	available	ADJ
inlawrev-3590	167	5	,	,	PUNCT
inlawrev-3590	167	6	insurers	insurer	NOUN
inlawrev-3590	167	7	can	can	AUX
inlawrev-3590	167	8	rebalance	rebalance	VERB
inlawrev-3590	167	9	existing	exist	VERB
inlawrev-3590	167	10	exposures	exposure	NOUN
inlawrev-3590	167	11	relatively	relatively	ADV
inlawrev-3590	167	12	quickly	quickly	ADV
inlawrev-3590	167	13	.^"^	.^"^	PUNCT
inlawrev-3590	168	1	but	but	CCONJ
inlawrev-3590	168	2	ifthe	ifthe	PROPN
inlawrev-3590	168	3	reinsurance	reinsurance	NOUN
inlawrev-3590	168	4	industry	industry	NOUN
inlawrev-3590	168	5	is	be	AUX
inlawrev-3590	168	6	also	also	ADV
inlawrev-3590	168	7	experiencing	experience	VERB
inlawrev-3590	168	8	a	a	DET
inlawrev-3590	168	9	temporary	temporary	ADJ
inlawrev-3590	168	10	capital	capital	NOUN
inlawrev-3590	168	11	shortage	shortage	NOUN
inlawrev-3590	168	12	and	and	CCONJ
inlawrev-3590	168	13	an	an	DET
inlawrev-3590	168	14	increased	increase	VERB
inlawrev-3590	168	15	exposure	exposure	NOUN
inlawrev-3590	168	16	to	to	ADP
inlawrev-3590	168	17	the	the	DET
inlawrev-3590	168	18	risk	risk	NOUN
inlawrev-3590	168	19	,	,	PUNCT
inlawrev-3590	168	20	as	as	SCONJ
inlawrev-3590	168	21	is	be	AUX
inlawrev-3590	168	22	typically	typically	ADV
inlawrev-3590	168	23	the	the	DET
inlawrev-3590	168	24	case	case	NOUN
inlawrev-3590	168	25	,	,	PUNCT
inlawrev-3590	168	26	insurers	insurer	NOUN
inlawrev-3590	168	27	(	(	PUNCT
inlawrev-3590	168	28	and	and	CCONJ
inlawrev-3590	168	29	reinsurers	reinsurer	NOUN
inlawrev-3590	168	30	)	)	PUNCT
inlawrev-3590	168	31	may	may	AUX
inlawrev-3590	168	32	rebalance	rebalance	VERB
inlawrev-3590	168	33	their	their	PRON
inlawrev-3590	168	34	exposures	exposure	NOUN
inlawrev-3590	168	35	to	to	ADP
inlawrev-3590	168	36	the	the	DET
inlawrev-3590	168	37	risk	risk	NOUN
inlawrev-3590	168	38	by	by	ADP
inlawrev-3590	168	39	waiting	wait	VERB
inlawrev-3590	168	40	until	until	SCONJ
inlawrev-3590	168	41	existing	exist	VERB
inlawrev-3590	168	42	policies	policy	NOUN
inlawrev-3590	168	43	expire	expire	VERB
inlawrev-3590	168	44	and	and	CCONJ
inlawrev-3590	168	45	not	not	PART
inlawrev-3590	168	46	renewing	renew	VERB
inlawrev-3590	168	47	,	,	PUNCT
inlawrev-3590	168	48	or	or	CCONJ
inlawrev-3590	168	49	,	,	PUNCT
inlawrev-3590	168	50	in	in	ADP
inlawrev-3590	168	51	the	the	DET
inlawrev-3590	168	52	extreme	extreme	NOUN
inlawrev-3590	168	53	,	,	PUNCT
inlawrev-3590	168	54	they	they	PRON
inlawrev-3590	168	55	may	may	AUX
inlawrev-3590	168	56	cancel	cancel	VERB
inlawrev-3590	168	57	existing	exist	VERB
inlawrev-3590	168	58	policies	policy	NOUN
inlawrev-3590	168	59	when	when	SCONJ
inlawrev-3590	168	60	cancellation	cancellation	NOUN
inlawrev-3590	168	61	is	be	AUX
inlawrev-3590	168	62	contractually	contractually	ADV
inlawrev-3590	168	63	possible.^^	possible.^^	VERB
inlawrev-3590	168	64	this	this	DET
inlawrev-3590	168	65	situation	situation	NOUN
inlawrev-3590	168	66	has	have	AUX
inlawrev-3590	168	67	been	be	AUX
inlawrev-3590	168	68	termed	term	VERB
inlawrev-3590	168	69	"	"	PUNCT
inlawrev-3590	168	70	risk	risk	NOUN
inlawrev-3590	168	71	overhang	overhang	NOUN
inlawrev-3590	168	72	"	"	PUNCT
inlawrev-3590	168	73	in	in	ADP
inlawrev-3590	168	74	the	the	DET
inlawrev-3590	168	75	literature.^^	literature.^^	NOUN
inlawrev-3590	168	76	the	the	DET
inlawrev-3590	168	77	problems	problem	NOUN
inlawrev-3590	168	78	from	from	ADP
inlawrev-3590	168	79	these	these	DET
inlawrev-3590	168	80	capacity	capacity	NOUN
inlawrev-3590	168	81	shortages	shortage	NOUN
inlawrev-3590	168	82	tend	tend	VERB
inlawrev-3590	168	83	to	to	PART
inlawrev-3590	168	84	diminish	diminish	VERB
inlawrev-3590	168	85	over	over	ADP
inlawrev-3590	168	86	time	time	NOUN
inlawrev-3590	168	87	for	for	ADP
inlawrev-3590	168	88	full	full	ADJ
inlawrev-3590	168	89	discussion	discussion	NOUN
inlawrev-3590	168	90	ofthe	ofthe	NOUN
inlawrev-3590	168	91	motivations	motivation	NOUN
inlawrev-3590	168	92	for	for	ADP
inlawrev-3590	168	93	corporate	corporate	ADJ
inlawrev-3590	168	94	risk	risk	NOUN
inlawrev-3590	168	95	management	management	NOUN
inlawrev-3590	168	96	are	be	AUX
inlawrev-3590	168	97	beyond	beyond	ADP
inlawrev-3590	168	98	the	the	DET
inlawrev-3590	168	99	scope	scope	NOUN
inlawrev-3590	168	100	ofthis	ofthi	VERB
inlawrev-3590	168	101	paper	paper	NOUN
inlawrev-3590	168	102	.	.	PUNCT
inlawrev-3590	169	1	for	for	ADP
inlawrev-3590	169	2	more	more	ADJ
inlawrev-3590	169	3	on	on	ADP
inlawrev-3590	169	4	the	the	DET
inlawrev-3590	169	5	portfolio	portfolio	NOUN
inlawrev-3590	169	6	approach	approach	NOUN
inlawrev-3590	169	7	to	to	ADP
inlawrev-3590	169	8	corporate	corporate	ADJ
inlawrev-3590	169	9	risk	risk	NOUN
inlawrev-3590	169	10	management	management	NOUN
inlawrev-3590	169	11	,	,	PUNCT
inlawrev-3590	169	12	see	see	VERB
inlawrev-3590	169	13	kenneth	kenneth	PROPN
inlawrev-3590	169	14	a.	a.	PROPN
inlawrev-3590	169	15	froot	froot	PROPN
inlawrev-3590	169	16	et	et	PROPN
inlawrev-3590	169	17	al	al	PROPN
inlawrev-3590	169	18	.	.	PROPN
inlawrev-3590	169	19	,	,	PUNCT
inlawrev-3590	169	20	risk	risk	NOUN
inlawrev-3590	169	21	management	management	NOUN
inlawrev-3590	169	22	;	;	PUNCT
inlawrev-3590	169	23	coordinating	coordinate	VERB
inlawrev-3590	169	24	corporate	corporate	ADJ
inlawrev-3590	169	25	investment	investment	NOUN
inlawrev-3590	169	26	and	and	CCONJ
inlawrev-3590	169	27	financing	financing	NOUN
inlawrev-3590	169	28	,	,	PUNCT
inlawrev-3590	169	29	48	48	NUM
inlawrev-3590	169	30	j.	j.	PROPN
inlawrev-3590	169	31	fin	fin	PROPN
inlawrev-3590	169	32	.	.	PUNCT
inlawrev-3590	170	1	1629	1629	NUM
inlawrev-3590	170	2	(	(	PUNCT
inlawrev-3590	170	3	dec	dec	PROPN
inlawrev-3590	170	4	.	.	PROPN
inlawrev-3590	170	5	1993	1993	NUM
inlawrev-3590	170	6	)	)	PUNCT
inlawrev-3590	170	7	.	.	PUNCT
inlawrev-3590	171	1	22	22	NUM
inlawrev-3590	171	2	.	.	PUNCT
inlawrev-3590	172	1	for	for	ADP
inlawrev-3590	172	2	a	a	DET
inlawrev-3590	172	3	formal	formal	ADJ
inlawrev-3590	172	4	model	model	NOUN
inlawrev-3590	172	5	of	of	ADP
inlawrev-3590	172	6	such	such	DET
inlawrev-3590	172	7	an	an	DET
inlawrev-3590	172	8	insurance	insurance	NOUN
inlawrev-3590	172	9	market	market	NOUN
inlawrev-3590	172	10	,	,	PUNCT
inlawrev-3590	172	11	see	see	VERB
inlawrev-3590	172	12	gron	gron	PROPN
inlawrev-3590	172	13	&	&	CCONJ
inlawrev-3590	172	14	winton	winton	PROPN
inlawrev-3590	172	15	,	,	PUNCT
inlawrev-3590	172	16	supra	supra	PROPN
inlawrev-3590	172	17	note	note	PROPN
inlawrev-3590	172	18	16	16	NUM
inlawrev-3590	172	19	,	,	PUNCT
inlawrev-3590	172	20	at	at	ADP
inlawrev-3590	172	21	595,596	595,596	NUM
inlawrev-3590	172	22	.	.	PUNCT
inlawrev-3590	173	1	23	23	NUM
inlawrev-3590	173	2	.	.	X
inlawrev-3590	174	1	priest	priest	NOUN
inlawrev-3590	174	2	,	,	PUNCT
inlawrev-3590	174	3	5m/?ra	5m/?ra	NUM
inlawrev-3590	174	4	note	note	VERB
inlawrev-3590	174	5	10	10	NUM
inlawrev-3590	174	6	,	,	PUNCT
inlawrev-3590	174	7	at	at	ADP
inlawrev-3590	174	8	531	531	NUM
inlawrev-3590	174	9	.	.	PUNCT
inlawrev-3590	175	1	24	24	NUM
inlawrev-3590	175	2	.	.	PUNCT
inlawrev-3590	176	1	gron	gron	PROPN
inlawrev-3590	176	2	&	&	CCONJ
inlawrev-3590	176	3	winton	winton	PROPN
inlawrev-3590	176	4	,	,	PUNCT
inlawrev-3590	176	5	supra	supra	PROPN
inlawrev-3590	176	6	note	note	PROPN
inlawrev-3590	176	7	16	16	NUM
inlawrev-3590	176	8	,	,	PUNCT
inlawrev-3590	176	9	at	at	ADP
inlawrev-3590	176	10	606	606	NUM
inlawrev-3590	176	11	.	.	PUNCT
inlawrev-3590	176	12	25	25	NUM
inlawrev-3590	176	13	.	.	PUNCT
inlawrev-3590	177	1	priest	priest	PROPN
inlawrev-3590	177	2	,	,	PUNCT
inlawrev-3590	177	3	supra	supra	PROPN
inlawrev-3590	177	4	note	note	VERB
inlawrev-3590	177	5	1	1	NUM
inlawrev-3590	177	6	0	0	NUM
inlawrev-3590	177	7	,	,	PUNCT
inlawrev-3590	177	8	at	at	ADP
inlawrev-3590	177	9	53	53	NUM
inlawrev-3590	177	10	1	1	NUM
inlawrev-3590	177	11	.	.	PUNCT
inlawrev-3590	178	1	26	26	NUM
inlawrev-3590	178	2	.	.	PUNCT
inlawrev-3590	179	1	gron	gron	PROPN
inlawrev-3590	179	2	&	&	CCONJ
inlawrev-3590	179	3	winton	winton	PROPN
inlawrev-3590	179	4	,	,	PUNCT
inlawrev-3590	179	5	jwpra	jwpra	PROPN
inlawrev-3590	179	6	note	note	VERB
inlawrev-3590	179	7	16	16	NUM
inlawrev-3590	179	8	.	.	PUNCT
inlawrev-3590	179	9	2003	2003	NUM
inlawrev-3590	179	10	]	]	PUNCT
inlawrev-3590	179	11	terrorism	terrorism	NOUN
inlawrev-3590	179	12	and	and	CCONJ
inlawrev-3590	179	13	insurance	insurance	NOUN
inlawrev-3590	179	14	markets	market	NOUN
inlawrev-3590	179	15	455	455	NUM
inlawrev-3590	179	16	three	three	NUM
inlawrev-3590	179	17	reasons	reason	NOUN
inlawrev-3590	179	18	.	.	PUNCT
inlawrev-3590	180	1	first	first	ADV
inlawrev-3590	180	2	,	,	PUNCT
inlawrev-3590	180	3	the	the	DET
inlawrev-3590	180	4	high	high	ADJ
inlawrev-3590	180	5	prices	price	NOUN
inlawrev-3590	180	6	due	due	ADP
inlawrev-3590	180	7	to	to	ADP
inlawrev-3590	180	8	the	the	DET
inlawrev-3590	180	9	high	high	ADJ
inlawrev-3590	180	10	return	return	NOUN
inlawrev-3590	180	11	for	for	ADP
inlawrev-3590	180	12	scarce	scarce	ADJ
inlawrev-3590	180	13	capital	capital	NOUN
inlawrev-3590	180	14	allow	allow	VERB
inlawrev-3590	180	15	insurers	insurer	NOUN
inlawrev-3590	180	16	(	(	PUNCT
inlawrev-3590	180	17	and	and	CCONJ
inlawrev-3590	180	18	reinsurers	reinsurer	NOUN
inlawrev-3590	180	19	)	)	PUNCT
inlawrev-3590	180	20	to	to	PART
inlawrev-3590	180	21	increase	increase	VERB
inlawrev-3590	180	22	their	their	PRON
inlawrev-3590	180	23	internal	internal	ADJ
inlawrev-3590	180	24	capital	capital	NOUN
inlawrev-3590	180	25	.	.	PUNCT
inlawrev-3590	181	1	second	second	ADJ
inlawrev-3590	181	2	,	,	PUNCT
inlawrev-3590	181	3	those	those	DET
inlawrev-3590	181	4	same	same	ADJ
inlawrev-3590	181	5	high	high	ADJ
inlawrev-3590	181	6	returns	return	NOUN
inlawrev-3590	181	7	provide	provide	VERB
inlawrev-3590	181	8	incentives	incentive	NOUN
inlawrev-3590	181	9	for	for	SCONJ
inlawrev-3590	181	10	insurers	insurer	NOUN
inlawrev-3590	181	11	to	to	PART
inlawrev-3590	181	12	access	access	VERB
inlawrev-3590	181	13	costly	costly	ADJ
inlawrev-3590	181	14	external	external	ADJ
inlawrev-3590	181	15	capital	capital	NOUN
inlawrev-3590	181	16	and	and	CCONJ
inlawrev-3590	181	17	for	for	ADP
inlawrev-3590	181	18	new	new	ADJ
inlawrev-3590	181	19	entrants	entrant	NOUN
inlawrev-3590	181	20	to	to	PART
inlawrev-3590	181	21	come	come	VERB
inlawrev-3590	181	22	into	into	ADP
inlawrev-3590	181	23	the	the	DET
inlawrev-3590	181	24	market	market	NOUN
inlawrev-3590	181	25	.	.	PUNCT
inlawrev-3590	182	1	third	third	ADJ
inlawrev-3590	182	2	,	,	PUNCT
inlawrev-3590	182	3	insurers	insurer	NOUN
inlawrev-3590	182	4	will	will	AUX
inlawrev-3590	182	5	reduce	reduce	VERB
inlawrev-3590	182	6	their	their	PRON
inlawrev-3590	182	7	risk	risk	NOUN
inlawrev-3590	182	8	exposure	exposure	NOUN
inlawrev-3590	182	9	by	by	ADP
inlawrev-3590	182	10	curtailing	curtail	VERB
inlawrev-3590	182	11	new	new	ADJ
inlawrev-3590	182	12	coverage	coverage	NOUN
inlawrev-3590	182	13	and	and	CCONJ
inlawrev-3590	182	14	renewals	renewal	NOUN
inlawrev-3590	182	15	as	as	SCONJ
inlawrev-3590	182	16	noted	note	VERB
inlawrev-3590	182	17	.	.	PUNCT
inlawrev-3590	183	1	the	the	DET
inlawrev-3590	183	2	duration	duration	NOUN
inlawrev-3590	183	3	ofthe	ofthe	VERB
inlawrev-3590	183	4	tight	tight	ADJ
inlawrev-3590	183	5	market	market	NOUN
inlawrev-3590	183	6	conditions	condition	NOUN
inlawrev-3590	183	7	depends	depend	VERB
inlawrev-3590	183	8	upon	upon	SCONJ
inlawrev-3590	183	9	how	how	SCONJ
inlawrev-3590	183	10	quickly	quickly	ADV
inlawrev-3590	183	11	all	all	DET
inlawrev-3590	183	12	three	three	NUM
inlawrev-3590	183	13	of	of	ADP
inlawrev-3590	183	14	these	these	PRON
inlawrev-3590	183	15	occur	occur	VERB
inlawrev-3590	183	16	.	.	PUNCT
inlawrev-3590	184	1	this	this	DET
inlawrev-3590	184	2	theory	theory	NOUN
inlawrev-3590	184	3	ofinsurer	ofinsurer	PRON
inlawrev-3590	184	4	behavior	behavior	NOUN
inlawrev-3590	184	5	has	have	VERB
inlawrev-3590	184	6	some	some	DET
inlawrev-3590	184	7	considerable	considerable	ADJ
inlawrev-3590	184	8	empirical	empirical	ADJ
inlawrev-3590	184	9	support	support	NOUN
inlawrev-3590	184	10	.	.	PUNCT
inlawrev-3590	185	1	as	as	SCONJ
inlawrev-3590	185	2	the	the	DET
inlawrev-3590	185	3	theory	theory	NOUN
inlawrev-3590	185	4	would	would	AUX
inlawrev-3590	185	5	predict	predict	VERB
inlawrev-3590	185	6	,	,	PUNCT
inlawrev-3590	185	7	measures	measure	NOUN
inlawrev-3590	185	8	of	of	ADP
inlawrev-3590	185	9	insurers	insurer	NOUN
inlawrev-3590	185	10	'	'	PART
inlawrev-3590	185	11	"	"	PUNCT
inlawrev-3590	185	12	capacity	capacity	NOUN
inlawrev-3590	185	13	"	"	PUNCT
inlawrev-3590	185	14	(	(	PUNCT
inlawrev-3590	185	15	internal	internal	ADJ
inlawrev-3590	185	16	capital	capital	NOUN
inlawrev-3590	185	17	)	)	PUNCT
inlawrev-3590	185	18	bear	bear	VERB
inlawrev-3590	185	19	a	a	DET
inlawrev-3590	185	20	significant	significant	ADJ
inlawrev-3590	185	21	relationship	relationship	NOUN
inlawrev-3590	185	22	to	to	ADP
inlawrev-3590	185	23	insurers	insurer	NOUN
inlawrev-3590	185	24	'	'	PART
inlawrev-3590	185	25	profitability.^^	profitability.^^	NOUN
inlawrev-3590	185	26	likewise	likewise	ADV
inlawrev-3590	185	27	,	,	PUNCT
inlawrev-3590	185	28	the	the	DET
inlawrev-3590	185	29	theory	theory	NOUN
inlawrev-3590	185	30	predicts	predict	VERB
inlawrev-3590	185	31	that	that	SCONJ
inlawrev-3590	185	32	the	the	DET
inlawrev-3590	185	33	effects	effect	NOUN
inlawrev-3590	185	34	of	of	ADP
inlawrev-3590	185	35	"	"	PUNCT
inlawrev-3590	185	36	overhang	overhang	NOUN
inlawrev-3590	185	37	"	"	PUNCT
inlawrev-3590	185	38	on	on	ADP
inlawrev-3590	185	39	current	current	ADJ
inlawrev-3590	185	40	markets	market	NOUN
inlawrev-3590	185	41	will	will	AUX
inlawrev-3590	185	42	last	last	VERB
inlawrev-3590	185	43	longer	long	ADV
inlawrev-3590	185	44	if	if	SCONJ
inlawrev-3590	185	45	previously	previously	ADV
inlawrev-3590	185	46	issued	issue	VERB
inlawrev-3590	185	47	policies	policy	NOUN
inlawrev-3590	185	48	have	have	VERB
inlawrev-3590	185	49	long	long	ADV
inlawrev-3590	185	50	-	-	PUNCT
inlawrev-3590	185	51	tailed	tail	VERB
inlawrev-3590	185	52	coverage.^^	coverage.^^	NOUN
inlawrev-3590	185	53	for	for	ADP
inlawrev-3590	185	54	example	example	NOUN
inlawrev-3590	185	55	,	,	PUNCT
inlawrev-3590	185	56	many	many	ADJ
inlawrev-3590	185	57	liability	liability	NOUN
inlawrev-3590	185	58	policies	policy	NOUN
inlawrev-3590	185	59	cover	cover	VERB
inlawrev-3590	185	60	"	"	PUNCT
inlawrev-3590	185	61	occurrences	occurrence	NOUN
inlawrev-3590	185	62	"	"	PUNCT
inlawrev-3590	185	63	during	during	ADP
inlawrev-3590	185	64	the	the	DET
inlawrev-3590	185	65	policy	policy	NOUN
inlawrev-3590	185	66	period	period	NOUN
inlawrev-3590	185	67	,	,	PUNCT
inlawrev-3590	185	68	even	even	ADV
inlawrev-3590	185	69	if	if	SCONJ
inlawrev-3590	185	70	liability	liability	NOUN
inlawrev-3590	185	71	judgments	judgment	NOUN
inlawrev-3590	185	72	associated	associate	VERB
inlawrev-3590	185	73	with	with	ADP
inlawrev-3590	185	74	them	they	PRON
inlawrev-3590	185	75	may	may	AUX
inlawrev-3590	185	76	not	not	PART
inlawrev-3590	185	77	be	be	AUX
inlawrev-3590	185	78	forthcoming	forthcoming	ADJ
inlawrev-3590	185	79	for	for	ADP
inlawrev-3590	185	80	many	many	ADJ
inlawrev-3590	185	81	years	year	NOUN
inlawrev-3590	185	82	because	because	SCONJ
inlawrev-3590	185	83	of	of	ADP
inlawrev-3590	185	84	delays	delay	NOUN
inlawrev-3590	185	85	in	in	ADP
inlawrev-3590	185	86	litigation	litigation	NOUN
inlawrev-3590	185	87	or	or	CCONJ
inlawrev-3590	185	88	latent	latent	NOUN
inlawrev-3590	185	89	injuries	injury	NOUN
inlawrev-3590	185	90	.	.	PUNCT
inlawrev-3590	186	1	under	under	ADP
inlawrev-3590	186	2	property	property	NOUN
inlawrev-3590	186	3	insurance	insurance	NOUN
inlawrev-3590	186	4	,	,	PUNCT
inlawrev-3590	186	5	by	by	ADP
inlawrev-3590	186	6	contrast	contrast	NOUN
inlawrev-3590	186	7	,	,	PUNCT
inlawrev-3590	186	8	coverage	coverage	NOUN
inlawrev-3590	186	9	is	be	AUX
inlawrev-3590	186	10	generally	generally	ADV
inlawrev-3590	186	11	for	for	ADP
inlawrev-3590	186	12	"	"	PUNCT
inlawrev-3590	186	13	events	event	NOUN
inlawrev-3590	186	14	"	"	PUNCT
inlawrev-3590	186	15	during	during	ADP
inlawrev-3590	186	16	the	the	DET
inlawrev-3590	186	17	policy	policy	NOUN
inlawrev-3590	186	18	period	period	NOUN
inlawrev-3590	186	19	,	,	PUNCT
inlawrev-3590	186	20	and	and	CCONJ
inlawrev-3590	186	21	there	there	PRON
inlawrev-3590	186	22	is	be	VERB
inlawrev-3590	186	23	little	little	ADJ
inlawrev-3590	186	24	risk	risk	NOUN
inlawrev-3590	186	25	of	of	ADP
inlawrev-3590	186	26	a	a	DET
inlawrev-3590	186	27	covered	cover	VERB
inlawrev-3590	186	28	loss	loss	NOUN
inlawrev-3590	186	29	coming	come	VERB
inlawrev-3590	186	30	to	to	ADP
inlawrev-3590	186	31	light	light	NOUN
inlawrev-3590	186	32	after	after	SCONJ
inlawrev-3590	186	33	the	the	DET
inlawrev-3590	186	34	policy	policy	NOUN
inlawrev-3590	186	35	period	period	NOUN
inlawrev-3590	186	36	is	be	AUX
inlawrev-3590	186	37	over	over	ADV
inlawrev-3590	186	38	.	.	PUNCT
inlawrev-3590	187	1	accordingly	accordingly	ADV
inlawrev-3590	187	2	,	,	PUNCT
inlawrev-3590	187	3	risk	risk	NOUN
inlawrev-3590	187	4	overhang	overhang	NOUN
inlawrev-3590	187	5	will	will	AUX
inlawrev-3590	187	6	likely	likely	ADV
inlawrev-3590	187	7	persist	persist	VERB
inlawrev-3590	187	8	longer	long	ADV
inlawrev-3590	187	9	in	in	ADP
inlawrev-3590	187	10	liability	liability	NOUN
inlawrev-3590	187	11	insurance	insurance	NOUN
inlawrev-3590	187	12	markets	market	NOUN
inlawrev-3590	187	13	than	than	ADP
inlawrev-3590	187	14	in	in	ADP
inlawrev-3590	187	15	property	property	NOUN
inlawrev-3590	187	16	insurance	insurance	NOUN
inlawrev-3590	187	17	markets	market	NOUN
inlawrev-3590	187	18	if	if	SCONJ
inlawrev-3590	187	19	the	the	DET
inlawrev-3590	187	20	theory	theory	NOUN
inlawrev-3590	187	21	is	be	AUX
inlawrev-3590	187	22	correct	correct	ADJ
inlawrev-3590	187	23	.	.	PUNCT
inlawrev-3590	188	1	recent	recent	ADJ
inlawrev-3590	188	2	evidence	evidence	NOUN
inlawrev-3590	188	3	supports	support	VERB
inlawrev-3590	188	4	the	the	DET
inlawrev-3590	188	5	theory	theory	NOUN
inlawrev-3590	188	6	,	,	PUNCT
inlawrev-3590	188	7	as	as	SCONJ
inlawrev-3590	188	8	the	the	DET
inlawrev-3590	188	9	1980s	1980	NOUN
inlawrev-3590	188	10	'	'	PART
inlawrev-3590	188	11	liability	liability	NOUN
inlawrev-3590	188	12	insurance	insurance	NOUN
inlawrev-3590	188	13	crisis	crisis	NOUN
inlawrev-3590	188	14	lasted	last	VERB
inlawrev-3590	188	15	considerably	considerably	ADV
inlawrev-3590	188	16	longer	long	ADV
inlawrev-3590	188	17	than	than	ADP
inlawrev-3590	188	18	the	the	DET
inlawrev-3590	188	19	early	early	ADJ
inlawrev-3590	188	20	1990s	1990	NOUN
inlawrev-3590	188	21	'	'	PART
inlawrev-3590	188	22	catastrophe	catastrophe	NOUN
inlawrev-3590	188	23	reinsurance	reinsurance	NOUN
inlawrev-3590	188	24	crisis.^^	crisis.^^	PUNCT
inlawrev-3590	188	25	before	before	ADP
inlawrev-3590	188	26	leaving	leave	VERB
inlawrev-3590	188	27	this	this	DET
inlawrev-3590	188	28	preliminary	preliminary	ADJ
inlawrev-3590	188	29	economic	economic	ADJ
inlawrev-3590	188	30	discussion	discussion	NOUN
inlawrev-3590	188	31	,	,	PUNCT
inlawrev-3590	188	32	we	we	PRON
inlawrev-3590	188	33	wish	wish	VERB
inlawrev-3590	188	34	to	to	PART
inlawrev-3590	188	35	touch	touch	VERB
inlawrev-3590	188	36	on	on	ADP
inlawrev-3590	188	37	one	one	NUM
inlawrev-3590	188	38	other	other	ADJ
inlawrev-3590	188	39	point	point	NOUN
inlawrev-3590	188	40	relating	relate	VERB
inlawrev-3590	188	41	to	to	ADP
inlawrev-3590	188	42	large	large	ADJ
inlawrev-3590	188	43	losses	loss	NOUN
inlawrev-3590	188	44	.	.	PUNCT
inlawrev-3590	189	1	as	as	SCONJ
inlawrev-3590	189	2	noted	note	VERB
inlawrev-3590	189	3	in	in	ADP
inlawrev-3590	189	4	the	the	DET
inlawrev-3590	189	5	introduction	introduction	NOUN
inlawrev-3590	189	6	,	,	PUNCT
inlawrev-3590	189	7	some	some	DET
inlawrev-3590	189	8	types	type	NOUN
inlawrev-3590	189	9	of	of	ADP
inlawrev-3590	189	10	losses	loss	NOUN
inlawrev-3590	189	11	,	,	PUNCT
inlawrev-3590	189	12	such	such	ADJ
inlawrev-3590	189	13	as	as	ADP
inlawrev-3590	189	14	acts	act	NOUN
inlawrev-3590	189	15	of	of	ADP
inlawrev-3590	189	16	war	war	NOUN
inlawrev-3590	189	17	,	,	PUNCT
inlawrev-3590	189	18	are	be	AUX
inlawrev-3590	189	19	generally	generally	ADV
inlawrev-3590	189	20	excluded	exclude	VERB
inlawrev-3590	189	21	from	from	ADP
inlawrev-3590	189	22	coverage	coverage	NOUN
inlawrev-3590	189	23	under	under	ADP
inlawrev-3590	189	24	property	property	NOUN
inlawrev-3590	189	25	-	-	PUNCT
inlawrev-3590	189	26	casualty	casualty	NOUN
inlawrev-3590	189	27	policies.^^	policies.^^	NOUN
inlawrev-3590	190	1	the	the	DET
inlawrev-3590	190	2	preceding	precede	VERB
inlawrev-3590	190	3	discussion	discussion	NOUN
inlawrev-3590	190	4	adds	add	VERB
inlawrev-3590	190	5	to	to	ADP
inlawrev-3590	190	6	our	our	PRON
inlawrev-3590	190	7	understanding	understanding	NOUN
inlawrev-3590	190	8	of	of	ADP
inlawrev-3590	190	9	why	why	SCONJ
inlawrev-3590	190	10	this	this	PRON
inlawrev-3590	190	11	should	should	AUX
inlawrev-3590	190	12	be	be	AUX
inlawrev-3590	190	13	so	so	ADV
inlawrev-3590	190	14	.	.	PUNCT
inlawrev-3590	191	1	losses	loss	NOUN
inlawrev-3590	191	2	associated	associate	VERB
inlawrev-3590	191	3	with	with	ADP
inlawrev-3590	191	4	war	war	NOUN
inlawrev-3590	191	5	will	will	AUX
inlawrev-3590	191	6	tend	tend	VERB
inlawrev-3590	191	7	to	to	PART
inlawrev-3590	191	8	be	be	AUX
inlawrev-3590	191	9	highly	highly	ADV
inlawrev-3590	191	10	correlated	correlate	VERB
inlawrev-3590	191	11	across	across	ADP
inlawrev-3590	191	12	policyholders	policyholder	NOUN
inlawrev-3590	191	13	.	.	PUNCT
inlawrev-3590	192	1	consequently	consequently	ADV
inlawrev-3590	192	2	,	,	PUNCT
inlawrev-3590	192	3	they	they	PRON
inlawrev-3590	192	4	can	can	AUX
inlawrev-3590	192	5	seriously	seriously	ADV
inlawrev-3590	192	6	threaten	threaten	VERB
inlawrev-3590	192	7	insurers	insurer	NOUN
inlawrev-3590	192	8	'	'	PART
inlawrev-3590	192	9	internal	internal	ADJ
inlawrev-3590	192	10	capital	capital	NOUN
inlawrev-3590	192	11	.	.	PUNCT
inlawrev-3590	193	1	a	a	DET
inlawrev-3590	193	2	healthy	healthy	ADJ
inlawrev-3590	193	3	insurer	insurer	NOUN
inlawrev-3590	193	4	will	will	AUX
inlawrev-3590	193	5	thus	thus	ADV
inlawrev-3590	193	6	be	be	AUX
inlawrev-3590	193	7	unwilling	unwilling	ADJ
inlawrev-3590	193	8	to	to	PART
inlawrev-3590	193	9	sell	sell	VERB
inlawrev-3590	193	10	insurance	insurance	NOUN
inlawrev-3590	193	11	for	for	ADP
inlawrev-3590	193	12	such	such	ADJ
inlawrev-3590	193	13	risks	risk	NOUN
inlawrev-3590	193	14	without	without	ADP
inlawrev-3590	193	15	tacking	tack	VERB
inlawrev-3590	193	16	on	on	ADP
inlawrev-3590	193	17	a	a	DET
inlawrev-3590	193	18	substantial	substantial	ADJ
inlawrev-3590	193	19	risk	risk	NOUN
inlawrev-3590	193	20	premium	premium	NOUN
inlawrev-3590	193	21	to	to	ADP
inlawrev-3590	193	22	the	the	DET
inlawrev-3590	193	23	price	price	NOUN
inlawrev-3590	193	24	.	.	PUNCT
inlawrev-3590	194	1	the	the	PRON
inlawrev-3590	194	2	more	more	ADJ
inlawrev-3590	194	3	the	the	DET
inlawrev-3590	194	4	price	price	NOUN
inlawrev-3590	194	5	of	of	ADP
inlawrev-3590	194	6	insurance	insurance	NOUN
inlawrev-3590	194	7	exceeds	exceed	VERB
inlawrev-3590	194	8	its	its	PRON
inlawrev-3590	194	9	expected	expect	VERB
inlawrev-3590	194	10	value	value	NOUN
inlawrev-3590	194	11	,	,	PUNCT
inlawrev-3590	194	12	other	other	ADJ
inlawrev-3590	194	13	things	thing	NOUN
inlawrev-3590	194	14	being	be	AUX
inlawrev-3590	194	15	equal	equal	ADJ
inlawrev-3590	194	16	,	,	PUNCT
inlawrev-3590	194	17	the	the	PRON
inlawrev-3590	194	18	less	less	ADJ
inlawrev-3590	194	19	the	the	DET
inlawrev-3590	194	20	demand	demand	NOUN
inlawrev-3590	194	21	among	among	ADP
inlawrev-3590	194	22	potential	potential	ADJ
inlawrev-3590	194	23	insureds	insured	NOUN
inlawrev-3590	194	24	.	.	PUNCT
inlawrev-3590	195	1	this	this	DET
inlawrev-3590	195	2	problem	problem	NOUN
inlawrev-3590	195	3	is	be	AUX
inlawrev-3590	195	4	compounded	compound	VERB
inlawrev-3590	195	5	by	by	ADP
inlawrev-3590	195	6	the	the	DET
inlawrev-3590	195	7	fact	fact	NOUN
inlawrev-3590	195	8	that	that	SCONJ
inlawrev-3590	195	9	large	large	ADJ
inlawrev-3590	195	10	correlated	correlate	VERB
inlawrev-3590	195	11	losses	loss	NOUN
inlawrev-3590	195	12	may	may	AUX
inlawrev-3590	195	13	impair	impair	VERB
inlawrev-3590	195	14	insurers	insurer	NOUN
inlawrev-3590	195	15	'	'	PART
inlawrev-3590	195	16	capital	capital	NOUN
inlawrev-3590	195	17	to	to	ADP
inlawrev-3590	195	18	the	the	DET
inlawrev-3590	195	19	point	point	NOUN
inlawrev-3590	195	20	that	that	SCONJ
inlawrev-3590	195	21	they	they	PRON
inlawrev-3590	195	22	will	will	AUX
inlawrev-3590	195	23	be	be	AUX
inlawrev-3590	195	24	unable	unable	ADJ
inlawrev-3590	195	25	to	to	PART
inlawrev-3590	195	26	pay	pay	VERB
inlawrev-3590	195	27	claims	claim	NOUN
inlawrev-3590	195	28	,	,	PUNCT
inlawrev-3590	195	29	a	a	DET
inlawrev-3590	195	30	prospect	prospect	NOUN
inlawrev-3590	195	31	that	that	PRON
inlawrev-3590	195	32	further	far	ADV
inlawrev-3590	195	33	reduces	reduce	VERB
inlawrev-3590	195	34	the	the	DET
inlawrev-3590	195	35	demand	demand	NOUN
inlawrev-3590	195	36	for	for	ADP
inlawrev-3590	195	37	insurance	insurance	NOUN
inlawrev-3590	195	38	.	.	PUNCT
inlawrev-3590	196	1	thus	thus	ADV
inlawrev-3590	196	2	,	,	PUNCT
inlawrev-3590	196	3	certain	certain	ADJ
inlawrev-3590	196	4	types	type	NOUN
inlawrev-3590	196	5	of	of	ADP
inlawrev-3590	196	6	losses	loss	NOUN
inlawrev-3590	196	7	will	will	AUX
inlawrev-3590	196	8	only	only	ADV
inlawrev-3590	196	9	be	be	AUX
inlawrev-3590	196	10	insurable	insurable	ADJ
inlawrev-3590	196	11	by	by	ADP
inlawrev-3590	196	12	the	the	DET
inlawrev-3590	196	13	largest	large	ADJ
inlawrev-3590	196	14	insurers	insurer	NOUN
inlawrev-3590	196	15	with	with	ADP
inlawrev-3590	196	16	the	the	DET
inlawrev-3590	196	17	greatest	great	ADJ
inlawrev-3590	196	18	capital	capital	NOUN
inlawrev-3590	196	19	reserves	reserve	NOUN
inlawrev-3590	196	20	and	and	CCONJ
inlawrev-3590	196	21	the	the	DET
inlawrev-3590	196	22	highest	high	ADJ
inlawrev-3590	196	23	degree	degree	NOUN
inlawrev-3590	196	24	ofglobal	ofglobal	ADJ
inlawrev-3590	196	25	diversification	diversification	NOUN
inlawrev-3590	196	26	.	.	PUNCT
inlawrev-3590	197	1	as	as	SCONJ
inlawrev-3590	197	2	the	the	DET
inlawrev-3590	197	3	number	number	NOUN
inlawrev-3590	197	4	ofpotential	ofpotential	ADJ
inlawrev-3590	197	5	insurers	insurer	NOUN
inlawrev-3590	197	6	diminishes	diminish	VERB
inlawrev-3590	197	7	,	,	PUNCT
inlawrev-3590	197	8	market	market	NOUN
inlawrev-3590	197	9	power	power	NOUN
inlawrev-3590	197	10	issues	issue	NOUN
inlawrev-3590	197	11	may	may	AUX
inlawrev-3590	197	12	become	become	VERB
inlawrev-3590	197	13	a	a	DET
inlawrev-3590	197	14	concern	concern	NOUN
inlawrev-3590	197	15	.	.	PUNCT
inlawrev-3590	198	1	some	some	DET
inlawrev-3590	198	2	potential	potential	ADJ
inlawrev-3590	198	3	losses	loss	NOUN
inlawrev-3590	198	4	are	be	AUX
inlawrev-3590	198	5	so	so	ADV
inlawrev-3590	198	6	catastrophic	catastrophic	ADJ
inlawrev-3590	198	7	and	and	CCONJ
inlawrev-3590	198	8	non	non	ADJ
inlawrev-3590	198	9	-	-	ADJ
inlawrev-3590	198	10	diversifiable	diversifiable	ADJ
inlawrev-3590	198	11	that	that	SCONJ
inlawrev-3590	198	12	no	no	DET
inlawrev-3590	198	13	insurer	insurer	NOUN
inlawrev-3590	198	14	will	will	AUX
inlawrev-3590	198	15	insure	insure	VERB
inlawrev-3590	198	16	them	they	PRON
inlawrev-3590	198	17	for	for	ADP
inlawrev-3590	198	18	a	a	DET
inlawrev-3590	198	19	price	price	NOUN
inlawrev-3590	198	20	that	that	PRON
inlawrev-3590	198	21	customers	customer	NOUN
inlawrev-3590	198	22	will	will	AUX
inlawrev-3590	198	23	pay	pay	VERB
inlawrev-3590	198	24	.	.	PUNCT
inlawrev-3590	199	1	27	27	NUM
inlawrev-3590	199	2	.	.	PUNCT
inlawrev-3590	200	1	see	see	VERB
inlawrev-3590	200	2	gron	gron	PROPN
inlawrev-3590	200	3	,	,	PUNCT
inlawrev-3590	200	4	supra	supra	PROPN
inlawrev-3590	200	5	note	note	NOUN
inlawrev-3590	200	6	1	1	NUM
inlawrev-3590	200	7	9	9	NUM
inlawrev-3590	200	8	.	.	NOUN
inlawrev-3590	200	9	28	28	NUM
inlawrev-3590	200	10	.	.	PUNCT
inlawrev-3590	201	1	gron	gron	PROPN
inlawrev-3590	201	2	&	&	CCONJ
inlawrev-3590	201	3	winton	winton	PROPN
inlawrev-3590	201	4	,	,	PUNCT
inlawrev-3590	201	5	supra	supra	PROPN
inlawrev-3590	201	6	note	note	PROPN
inlawrev-3590	201	7	16	16	NUM
inlawrev-3590	201	8	,	,	PUNCT
inlawrev-3590	201	9	at	at	ADP
inlawrev-3590	201	10	592	592	NUM
inlawrev-3590	201	11	(	(	PUNCT
inlawrev-3590	201	12	explaining	explain	VERB
inlawrev-3590	201	13	that	that	SCONJ
inlawrev-3590	201	14	"	"	PUNCT
inlawrev-3590	201	15	tail	tail	NOUN
inlawrev-3590	201	16	"	"	PUNCT
inlawrev-3590	201	17	means	mean	VERB
inlawrev-3590	201	18	length	length	NOUN
inlawrev-3590	201	19	of	of	ADP
inlawrev-3590	201	20	time	time	NOUN
inlawrev-3590	201	21	that	that	PRON
inlawrev-3590	201	22	it	it	PRON
inlawrev-3590	201	23	takes	take	VERB
inlawrev-3590	201	24	for	for	ADP
inlawrev-3590	201	25	a	a	DET
inlawrev-3590	201	26	claim	claim	NOUN
inlawrev-3590	201	27	to	to	PART
inlawrev-3590	201	28	be	be	AUX
inlawrev-3590	201	29	entered	enter	VERB
inlawrev-3590	201	30	against	against	ADP
inlawrev-3590	201	31	an	an	DET
inlawrev-3590	201	32	old	old	ADJ
inlawrev-3590	201	33	insurance	insurance	NOUN
inlawrev-3590	201	34	policy	policy	NOUN
inlawrev-3590	201	35	)	)	PUNCT
inlawrev-3590	201	36	.	.	PUNCT
inlawrev-3590	202	1	29	29	NUM
inlawrev-3590	202	2	.	.	PUNCT
inlawrev-3590	202	3	see	see	VERB
inlawrev-3590	202	4	i	i	PRON
inlawrev-3590	202	5	d	d	PROPN
inlawrev-3590	202	6	at	at	ADP
inlawrev-3590	202	7	601	601	NUM
inlawrev-3590	202	8	,	,	PUNCT
inlawrev-3590	202	9	602	602	NUM
inlawrev-3590	202	10	(	(	PUNCT
inlawrev-3590	202	11	reporting	report	VERB
inlawrev-3590	202	12	that	that	SCONJ
inlawrev-3590	202	13	the	the	DET
inlawrev-3590	202	14	duration	duration	NOUN
inlawrev-3590	202	15	was	be	AUX
inlawrev-3590	202	16	roughly	roughly	ADV
inlawrev-3590	202	17	three	three	NUM
inlawrev-3590	202	18	years	year	NOUN
inlawrev-3590	202	19	for	for	ADP
inlawrev-3590	202	20	the	the	DET
inlawrev-3590	202	21	liability	liability	NOUN
inlawrev-3590	202	22	crisis	crisis	NOUN
inlawrev-3590	202	23	as	as	SCONJ
inlawrev-3590	202	24	compared	compare	VERB
inlawrev-3590	202	25	with	with	ADP
inlawrev-3590	202	26	one	one	NUM
inlawrev-3590	202	27	and	and	CCONJ
inlawrev-3590	202	28	a	a	DET
inlawrev-3590	202	29	half	half	NOUN
inlawrev-3590	202	30	years	year	NOUN
inlawrev-3590	202	31	for	for	ADP
inlawrev-3590	202	32	the	the	DET
inlawrev-3590	202	33	catastrophe	catastrophe	NOUN
inlawrev-3590	202	34	reinsurance	reinsurance	NOUN
inlawrev-3590	202	35	crisis	crisis	NOUN
inlawrev-3590	202	36	)	)	PUNCT
inlawrev-3590	202	37	.	.	PUNCT
inlawrev-3590	203	1	30	30	NUM
inlawrev-3590	203	2	.	.	X
inlawrev-3590	203	3	priest	priest	PROPN
inlawrev-3590	203	4	,	,	PUNCT
inlawrev-3590	203	5	supra	supra	PROPN
inlawrev-3590	203	6	note	note	NOUN
inlawrev-3590	203	7	10	10	NUM
inlawrev-3590	203	8	,	,	PUNCT
inlawrev-3590	203	9	at	at	ADP
inlawrev-3590	203	10	1540	1540	NUM
inlawrev-3590	203	11	-	-	SYM
inlawrev-3590	203	12	43	43	NUM
inlawrev-3590	203	13	(	(	PUNCT
inlawrev-3590	203	14	discussing	discuss	VERB
inlawrev-3590	203	15	why	why	SCONJ
inlawrev-3590	203	16	losses	loss	NOUN
inlawrev-3590	203	17	from	from	ADP
inlawrev-3590	203	18	nuclear	nuclear	ADJ
inlawrev-3590	203	19	war	war	NOUN
inlawrev-3590	203	20	are	be	AUX
inlawrev-3590	203	21	uninsurable	uninsurable	ADJ
inlawrev-3590	203	22	)	)	PUNCT
inlawrev-3590	203	23	.	.	PUNCT
inlawrev-3590	204	1	456	456	NUM
inlawrev-3590	204	2	indiana	indiana	PROPN
inlawrev-3590	204	3	law	law	PROPN
inlawrev-3590	204	4	review	review	NOUN
inlawrev-3590	205	1	[	[	X
inlawrev-3590	205	2	vol	vol	NOUN
inlawrev-3590	205	3	.	.	PUNCT
inlawrev-3590	205	4	36:447	36:447	PROPN
inlawrev-3590	205	5	b.	b.	PROPN
inlawrev-3590	205	6	implicationsfor	implicationsfor	ADP
inlawrev-3590	205	7	terrorism	terrorism	NOUN
inlawrev-3590	205	8	insurance	insurance	NOUN
inlawrev-3590	205	9	the	the	DET
inlawrev-3590	205	10	events	event	NOUN
inlawrev-3590	205	11	of	of	ADP
inlawrev-3590	205	12	september	september	PROPN
inlawrev-3590	205	13	1	1	NUM
inlawrev-3590	205	14	1	1	NUM
inlawrev-3590	205	15	and	and	CCONJ
inlawrev-3590	205	16	their	their	PRON
inlawrev-3590	205	17	aftermath	aftermath	NOUN
inlawrev-3590	205	18	changed	change	VERB
inlawrev-3590	205	19	the	the	DET
inlawrev-3590	205	20	information	information	NOUN
inlawrev-3590	205	21	available	available	ADJ
inlawrev-3590	205	22	to	to	ADP
inlawrev-3590	205	23	insurers	insurer	NOUN
inlawrev-3590	205	24	in	in	ADP
inlawrev-3590	205	25	three	three	NUM
inlawrev-3590	205	26	ways	way	NOUN
inlawrev-3590	205	27	.	.	PUNCT
inlawrev-3590	206	1	first	first	ADV
inlawrev-3590	206	2	,	,	PUNCT
inlawrev-3590	206	3	they	they	PRON
inlawrev-3590	206	4	suggested	suggest	VERB
inlawrev-3590	206	5	that	that	SCONJ
inlawrev-3590	206	6	the	the	DET
inlawrev-3590	206	7	probability	probability	NOUN
inlawrev-3590	206	8	of	of	ADP
inlawrev-3590	206	9	very	very	ADV
inlawrev-3590	206	10	large	large	ADJ
inlawrev-3590	206	11	terrorism	terrorism	NOUN
inlawrev-3590	206	12	losses	loss	NOUN
inlawrev-3590	206	13	was	be	AUX
inlawrev-3590	206	14	significantly	significantly	ADV
inlawrev-3590	206	15	greater	great	ADJ
inlawrev-3590	206	16	than	than	SCONJ
inlawrev-3590	206	17	previously	previously	ADV
inlawrev-3590	206	18	thought	think	VERB
inlawrev-3590	206	19	,	,	PUNCT
inlawrev-3590	206	20	or	or	CCONJ
inlawrev-3590	206	21	,	,	PUNCT
inlawrev-3590	206	22	in	in	ADP
inlawrev-3590	206	23	other	other	ADJ
inlawrev-3590	206	24	words	word	NOUN
inlawrev-3590	206	25	,	,	PUNCT
inlawrev-3590	206	26	the	the	DET
inlawrev-3590	206	27	expected	expect	VERB
inlawrev-3590	206	28	value	value	NOUN
inlawrev-3590	206	29	of	of	ADP
inlawrev-3590	206	30	future	future	ADJ
inlawrev-3590	206	31	losses	loss	NOUN
inlawrev-3590	206	32	rose	rise	VERB
inlawrev-3590	206	33	considerably	considerably	ADV
inlawrev-3590	206	34	.	.	PUNCT
inlawrev-3590	207	1	second	second	ADJ
inlawrev-3590	207	2	,	,	PUNCT
inlawrev-3590	207	3	and	and	CCONJ
inlawrev-3590	207	4	related	relate	VERB
inlawrev-3590	207	5	,	,	PUNCT
inlawrev-3590	207	6	they	they	PRON
inlawrev-3590	207	7	greatly	greatly	ADV
inlawrev-3590	207	8	heightened	heighten	VERB
inlawrev-3590	207	9	the	the	DET
inlawrev-3590	207	10	possibility	possibility	NOUN
inlawrev-3590	207	11	that	that	SCONJ
inlawrev-3590	207	12	losses	loss	NOUN
inlawrev-3590	207	13	caused	cause	VERB
inlawrev-3590	207	14	by	by	ADP
inlawrev-3590	207	15	terrorists	terrorist	NOUN
inlawrev-3590	207	16	might	might	AUX
inlawrev-3590	207	17	be	be	AUX
inlawrev-3590	207	18	so	so	ADV
inlawrev-3590	207	19	large	large	ADJ
inlawrev-3590	207	20	as	as	SCONJ
inlawrev-3590	207	21	to	to	PART
inlawrev-3590	207	22	be	be	AUX
inlawrev-3590	207	23	uninsurable	uninsurable	ADJ
inlawrev-3590	207	24	.	.	PUNCT
inlawrev-3590	208	1	present	present	ADJ
inlawrev-3590	208	2	concerns	concern	NOUN
inlawrev-3590	208	3	about	about	ADP
inlawrev-3590	208	4	the	the	DET
inlawrev-3590	208	5	use	use	NOUN
inlawrev-3590	208	6	of	of	ADP
inlawrev-3590	208	7	weapons	weapon	NOUN
inlawrev-3590	208	8	of	of	ADP
inlawrev-3590	208	9	mass	mass	ADJ
inlawrev-3590	208	10	destruction	destruction	NOUN
inlawrev-3590	208	11	by	by	ADP
inlawrev-3590	208	12	terrorists	terrorist	NOUN
inlawrev-3590	208	13	suggest	suggest	VERB
inlawrev-3590	208	14	that	that	SCONJ
inlawrev-3590	208	15	terrorism	terrorism	NOUN
inlawrev-3590	208	16	losses	loss	NOUN
inlawrev-3590	208	17	might	might	AUX
inlawrev-3590	208	18	conceivably	conceivably	ADV
inlawrev-3590	208	19	be	be	AUX
inlawrev-3590	208	20	as	as	ADV
inlawrev-3590	208	21	great	great	ADJ
inlawrev-3590	208	22	as	as	ADP
inlawrev-3590	208	23	those	those	PRON
inlawrev-3590	208	24	that	that	PRON
inlawrev-3590	208	25	might	might	AUX
inlawrev-3590	208	26	be	be	AUX
inlawrev-3590	208	27	experienced	experience	VERB
inlawrev-3590	208	28	in	in	ADP
inlawrev-3590	208	29	wartime	wartime	NOUN
inlawrev-3590	208	30	.	.	PUNCT
inlawrev-3590	209	1	third	third	ADJ
inlawrev-3590	209	2	,	,	PUNCT
inlawrev-3590	209	3	they	they	PRON
inlawrev-3590	209	4	greatly	greatly	ADV
inlawrev-3590	209	5	increased	increase	VERB
inlawrev-3590	209	6	the	the	DET
inlawrev-3590	209	7	uncertainty	uncertainty	NOUN
inlawrev-3590	209	8	in	in	ADP
inlawrev-3590	209	9	insurers	insurer	NOUN
inlawrev-3590	209	10	'	'	PART
inlawrev-3590	209	11	subjective	subjective	ADJ
inlawrev-3590	209	12	probability	probability	NOUN
inlawrev-3590	209	13	distributions	distribution	NOUN
inlawrev-3590	209	14	regarding	regard	VERB
inlawrev-3590	209	15	terrorism	terrorism	NOUN
inlawrev-3590	209	16	losses	loss	NOUN
inlawrev-3590	209	17	.	.	PUNCT
inlawrev-3590	210	1	the	the	DET
inlawrev-3590	210	2	insurance	insurance	NOUN
inlawrev-3590	210	3	industry	industry	NOUN
inlawrev-3590	210	4	must	must	AUX
inlawrev-3590	210	5	now	now	ADV
inlawrev-3590	210	6	adjust	adjust	VERB
inlawrev-3590	210	7	to	to	ADP
inlawrev-3590	210	8	these	these	DET
inlawrev-3590	210	9	new	new	ADJ
inlawrev-3590	210	10	conditions	condition	NOUN
inlawrev-3590	210	11	.	.	PUNCT
inlawrev-3590	211	1	the	the	DET
inlawrev-3590	211	2	increase	increase	NOUN
inlawrev-3590	211	3	in	in	ADP
inlawrev-3590	211	4	both	both	CCONJ
inlawrev-3590	211	5	the	the	DET
inlawrev-3590	211	6	mean	mean	NOUN
inlawrev-3590	211	7	and	and	CCONJ
inlawrev-3590	211	8	the	the	DET
inlawrev-3590	211	9	variance	variance	NOUN
inlawrev-3590	211	10	of	of	ADP
inlawrev-3590	211	11	insurers	insurer	NOUN
inlawrev-3590	211	12	'	'	PART
inlawrev-3590	211	13	subjective	subjective	ADJ
inlawrev-3590	211	14	distribution	distribution	NOUN
inlawrev-3590	211	15	ofterrorism	ofterrorism	NOUN
inlawrev-3590	211	16	losses	loss	NOUN
inlawrev-3590	211	17	creates	create	VERB
inlawrev-3590	211	18	a	a	DET
inlawrev-3590	211	19	short	short	ADJ
inlawrev-3590	211	20	-	-	PUNCT
inlawrev-3590	211	21	term	term	NOUN
inlawrev-3590	211	22	"	"	PUNCT
inlawrev-3590	211	23	crisis	crisis	NOUN
inlawrev-3590	211	24	"	"	PUNCT
inlawrev-3590	211	25	in	in	ADP
inlawrev-3590	211	26	the	the	DET
inlawrev-3590	211	27	availability	availability	NOUN
inlawrev-3590	211	28	of	of	ADP
inlawrev-3590	211	29	terrorism	terrorism	NOUN
inlawrev-3590	211	30	coverage	coverage	NOUN
inlawrev-3590	211	31	through	through	ADP
inlawrev-3590	211	32	the	the	DET
inlawrev-3590	211	33	risk	risk	NOUN
inlawrev-3590	211	34	overhang	overhang	NOUN
inlawrev-3590	211	35	phenomenon	phenomenon	NOUN
inlawrev-3590	211	36	described	describe	VERB
inlawrev-3590	211	37	above	above	ADV
inlawrev-3590	211	38	.	.	PUNCT
inlawrev-3590	212	1	insurers	insurer	NOUN
inlawrev-3590	212	2	in	in	ADP
inlawrev-3590	212	3	the	the	DET
inlawrev-3590	212	4	short	short	ADJ
inlawrev-3590	212	5	term	term	NOUN
inlawrev-3590	212	6	have	have	AUX
inlawrev-3590	212	7	increased	increase	VERB
inlawrev-3590	212	8	the	the	DET
inlawrev-3590	212	9	estimates	estimate	NOUN
inlawrev-3590	212	10	of	of	ADP
inlawrev-3590	212	11	their	their	PRON
inlawrev-3590	212	12	exposure	exposure	NOUN
inlawrev-3590	212	13	to	to	ADP
inlawrev-3590	212	14	terrorism	terrorism	NOUN
inlawrev-3590	212	15	risk	risk	NOUN
inlawrev-3590	212	16	.	.	PUNCT
inlawrev-3590	213	1	many	many	ADJ
inlawrev-3590	213	2	insurers	insurer	NOUN
inlawrev-3590	213	3	have	have	AUX
inlawrev-3590	213	4	found	find	VERB
inlawrev-3590	213	5	that	that	SCONJ
inlawrev-3590	213	6	they	they	PRON
inlawrev-3590	213	7	have	have	VERB
inlawrev-3590	213	8	more	more	ADJ
inlawrev-3590	213	9	exposure	exposure	NOUN
inlawrev-3590	213	10	relative	relative	ADJ
inlawrev-3590	213	11	to	to	ADP
inlawrev-3590	213	12	their	their	PRON
inlawrev-3590	213	13	capital	capital	NOUN
inlawrev-3590	213	14	than	than	SCONJ
inlawrev-3590	213	15	they	they	PRON
inlawrev-3590	213	16	would	would	AUX
inlawrev-3590	213	17	like	like	VERB
inlawrev-3590	213	18	and	and	CCONJ
inlawrev-3590	213	19	are	be	AUX
inlawrev-3590	213	20	seeking	seek	VERB
inlawrev-3590	213	21	to	to	PART
inlawrev-3590	213	22	shed	shed	VERB
inlawrev-3590	213	23	such	such	ADJ
inlawrev-3590	213	24	coverage	coverage	NOUN
inlawrev-3590	213	25	until	until	SCONJ
inlawrev-3590	213	26	they	they	PRON
inlawrev-3590	213	27	can	can	AUX
inlawrev-3590	213	28	manage	manage	VERB
inlawrev-3590	213	29	the	the	DET
inlawrev-3590	213	30	risk	risk	NOUN
inlawrev-3590	213	31	better	well	ADV
inlawrev-3590	213	32	.	.	PUNCT
inlawrev-3590	214	1	for	for	ADP
inlawrev-3590	214	2	some	some	DET
inlawrev-3590	214	3	insurers	insurer	NOUN
inlawrev-3590	214	4	this	this	PRON
inlawrev-3590	214	5	may	may	AUX
inlawrev-3590	214	6	entail	entail	VERB
inlawrev-3590	214	7	covering	cover	VERB
inlawrev-3590	214	8	some	some	DET
inlawrev-3590	214	9	terrorism	terrorism	NOUN
inlawrev-3590	214	10	losses	loss	NOUN
inlawrev-3590	214	11	but	but	CCONJ
inlawrev-3590	214	12	managing	manage	VERB
inlawrev-3590	214	13	them	they	PRON
inlawrev-3590	214	14	differently	differently	ADV
inlawrev-3590	214	15	by	by	ADP
inlawrev-3590	214	16	selecting	select	VERB
inlawrev-3590	214	17	a	a	DET
inlawrev-3590	214	18	different	different	ADJ
inlawrev-3590	214	19	mix	mix	NOUN
inlawrev-3590	214	20	of	of	ADP
inlawrev-3590	214	21	exposures	exposure	NOUN
inlawrev-3590	214	22	,	,	PUNCT
inlawrev-3590	214	23	as	as	ADP
inlawrev-3590	214	24	by	by	ADP
inlawrev-3590	214	25	insisting	insist	VERB
inlawrev-3590	214	26	on	on	ADP
inlawrev-3590	214	27	a	a	DET
inlawrev-3590	214	28	broader	broad	ADJ
inlawrev-3590	214	29	geographic	geographic	ADJ
inlawrev-3590	214	30	area	area	NOUN
inlawrev-3590	214	31	for	for	ADP
inlawrev-3590	214	32	the	the	DET
inlawrev-3590	214	33	same	same	ADJ
inlawrev-3590	214	34	number	number	NOUN
inlawrev-3590	214	35	of	of	ADP
inlawrev-3590	214	36	risks	risk	NOUN
inlawrev-3590	214	37	.	.	PUNCT
inlawrev-3590	215	1	as	as	ADP
inlawrev-3590	215	2	with	with	ADP
inlawrev-3590	215	3	past	past	ADJ
inlawrev-3590	215	4	insurance	insurance	NOUN
inlawrev-3590	215	5	crises	crisis	NOUN
inlawrev-3590	215	6	,	,	PUNCT
inlawrev-3590	215	7	the	the	DET
inlawrev-3590	215	8	problem	problem	NOUN
inlawrev-3590	215	9	is	be	AUX
inlawrev-3590	215	10	likely	likely	ADJ
inlawrev-3590	215	11	to	to	PART
inlawrev-3590	215	12	go	go	VERB
inlawrev-3590	215	13	away	away	ADV
inlawrev-3590	215	14	with	with	ADP
inlawrev-3590	215	15	time	time	NOUN
inlawrev-3590	215	16	.	.	PUNCT
inlawrev-3590	216	1	barring	bar	VERB
inlawrev-3590	216	2	massive	massive	ADJ
inlawrev-3590	216	3	new	new	ADJ
inlawrev-3590	216	4	terrorist	terrorist	ADJ
inlawrev-3590	216	5	attacks	attack	NOUN
inlawrev-3590	216	6	,	,	PUNCT
inlawrev-3590	216	7	insurers	insurer	NOUN
inlawrev-3590	216	8	'	'	PART
inlawrev-3590	216	9	capital	capital	NOUN
inlawrev-3590	216	10	will	will	AUX
inlawrev-3590	216	11	increase	increase	VERB
inlawrev-3590	216	12	,	,	PUNCT
inlawrev-3590	216	13	the	the	DET
inlawrev-3590	216	14	perceived	perceive	VERB
inlawrev-3590	216	15	uncertainty	uncertainty	NOUN
inlawrev-3590	216	16	about	about	ADP
inlawrev-3590	216	17	the	the	DET
inlawrev-3590	216	18	distribution	distribution	NOUN
inlawrev-3590	216	19	of	of	ADP
inlawrev-3590	216	20	losses	loss	NOUN
inlawrev-3590	216	21	will	will	AUX
inlawrev-3590	216	22	diminish	diminish	VERB
inlawrev-3590	216	23	,	,	PUNCT
inlawrev-3590	216	24	and	and	CCONJ
inlawrev-3590	216	25	insurers	insurer	NOUN
inlawrev-3590	216	26	'	'	PART
inlawrev-3590	216	27	risk	risk	NOUN
inlawrev-3590	216	28	premia	premia	NOUN
inlawrev-3590	216	29	for	for	ADP
inlawrev-3590	216	30	covering	cover	VERB
inlawrev-3590	216	31	terror	terror	NOUN
inlawrev-3590	216	32	-	-	PUNCT
inlawrev-3590	216	33	related	relate	VERB
inlawrev-3590	216	34	losses	loss	NOUN
inlawrev-3590	216	35	will	will	AUX
inlawrev-3590	216	36	fall	fall	VERB
inlawrev-3590	216	37	.	.	PUNCT
inlawrev-3590	217	1	upward	upward	ADJ
inlawrev-3590	217	2	repricing	repricing	NOUN
inlawrev-3590	217	3	of	of	ADP
inlawrev-3590	217	4	future	future	ADJ
inlawrev-3590	217	5	coverage	coverage	NOUN
inlawrev-3590	217	6	for	for	ADP
inlawrev-3590	217	7	terror	terror	NOUN
inlawrev-3590	217	8	-	-	PUNCT
inlawrev-3590	217	9	related	relate	VERB
inlawrev-3590	217	10	losses	loss	NOUN
inlawrev-3590	217	11	will	will	AUX
inlawrev-3590	217	12	then	then	ADV
inlawrev-3590	217	13	afford	afford	VERB
inlawrev-3590	217	14	insurers	insurer	NOUN
inlawrev-3590	217	15	a	a	DET
inlawrev-3590	217	16	substantial	substantial	ADJ
inlawrev-3590	217	17	degree	degree	NOUN
inlawrev-3590	217	18	of	of	ADP
inlawrev-3590	217	19	confidence	confidence	NOUN
inlawrev-3590	217	20	that	that	SCONJ
inlawrev-3590	217	21	the	the	DET
inlawrev-3590	217	22	coverage	coverage	NOUN
inlawrev-3590	217	23	will	will	AUX
inlawrev-3590	217	24	be	be	AUX
inlawrev-3590	217	25	profitable	profitable	ADJ
inlawrev-3590	217	26	.	.	PUNCT
inlawrev-3590	218	1	we	we	PRON
inlawrev-3590	218	2	may	may	AUX
inlawrev-3590	218	3	also	also	ADV
inlawrev-3590	218	4	expect	expect	VERB
inlawrev-3590	218	5	insurers	insurer	NOUN
inlawrev-3590	218	6	to	to	PART
inlawrev-3590	218	7	take	take	VERB
inlawrev-3590	218	8	steps	step	NOUN
inlawrev-3590	218	9	in	in	ADP
inlawrev-3590	218	10	the	the	DET
inlawrev-3590	218	11	months	month	NOUN
inlawrev-3590	218	12	ahead	ahead	ADV
inlawrev-3590	218	13	to	to	PART
inlawrev-3590	218	14	protect	protect	VERB
inlawrev-3590	218	15	themselves	themselves	PRON
inlawrev-3590	218	16	against	against	ADP
inlawrev-3590	218	17	excessive	excessive	ADJ
inlawrev-3590	218	18	exposure	exposure	NOUN
inlawrev-3590	218	19	in	in	ADP
inlawrev-3590	218	20	the	the	DET
inlawrev-3590	218	21	event	event	NOUN
inlawrev-3590	218	22	of	of	ADP
inlawrev-3590	218	23	the	the	DET
inlawrev-3590	218	24	most	most	ADV
inlawrev-3590	218	25	catastrophic	catastrophic	ADJ
inlawrev-3590	218	26	terrorist	terrorist	ADJ
inlawrev-3590	218	27	attacks	attack	NOUN
inlawrev-3590	218	28	.	.	PUNCT
inlawrev-3590	219	1	exclusions	exclusion	NOUN
inlawrev-3590	219	2	will	will	AUX
inlawrev-3590	219	3	be	be	AUX
inlawrev-3590	219	4	rewritten	rewrite	VERB
inlawrev-3590	219	5	for	for	ADP
inlawrev-3590	219	6	a	a	DET
inlawrev-3590	219	7	number	number	NOUN
inlawrev-3590	219	8	of	of	ADP
inlawrev-3590	219	9	particular	particular	ADJ
inlawrev-3590	219	10	occurrences	occurrence	NOUN
inlawrev-3590	219	11	.	.	PUNCT
inlawrev-3590	220	1	"	"	PUNCT
inlawrev-3590	220	2	act	act	NOUN
inlawrev-3590	220	3	of	of	ADP
inlawrev-3590	220	4	war	war	NOUN
inlawrev-3590	220	5	"	"	PUNCT
inlawrev-3590	220	6	exclusions	exclusion	NOUN
inlawrev-3590	220	7	,	,	PUNCT
inlawrev-3590	220	8	for	for	ADP
inlawrev-3590	220	9	example	example	NOUN
inlawrev-3590	220	10	,	,	PUNCT
inlawrev-3590	220	11	may	may	AUX
inlawrev-3590	220	12	be	be	AUX
inlawrev-3590	220	13	rewritten	rewrite	VERB
inlawrev-3590	220	14	to	to	PART
inlawrev-3590	220	15	incorporate	incorporate	VERB
inlawrev-3590	220	16	more	more	ADV
inlawrev-3590	220	17	clearly	clearly	ADV
inlawrev-3590	220	18	the	the	DET
inlawrev-3590	220	19	use	use	NOUN
inlawrev-3590	220	20	of	of	ADP
inlawrev-3590	220	21	weapons	weapon	NOUN
inlawrev-3590	220	22	of	of	ADP
inlawrev-3590	220	23	mass	mass	ADJ
inlawrev-3590	220	24	destruction	destruction	NOUN
inlawrev-3590	220	25	by	by	ADP
inlawrev-3590	220	26	individuals	individual	NOUN
inlawrev-3590	220	27	as	as	ADV
inlawrev-3590	220	28	well	well	ADV
inlawrev-3590	220	29	as	as	ADP
inlawrev-3590	220	30	by	by	ADP
inlawrev-3590	220	31	enemy	enemy	NOUN
inlawrev-3590	220	32	states	state	NOUN
inlawrev-3590	220	33	.	.	PUNCT
inlawrev-3590	221	1	the	the	DET
inlawrev-3590	221	2	exclusion	exclusion	NOUN
inlawrev-3590	221	3	ofany	ofany	NOUN
inlawrev-3590	221	4	losses	loss	NOUN
inlawrev-3590	221	5	caused	cause	VERB
inlawrev-3590	221	6	by	by	ADP
inlawrev-3590	221	7	such	such	ADJ
inlawrev-3590	221	8	weapons	weapon	NOUN
inlawrev-3590	221	9	,	,	PUNCT
inlawrev-3590	221	10	especially	especially	ADV
inlawrev-3590	221	11	nuclear	nuclear	ADJ
inlawrev-3590	221	12	weapons	weapon	NOUN
inlawrev-3590	221	13	,	,	PUNCT
inlawrev-3590	221	14	may	may	AUX
inlawrev-3590	221	15	become	become	VERB
inlawrev-3590	221	16	more	more	ADV
inlawrev-3590	221	17	common	common	ADJ
inlawrev-3590	221	18	,	,	PUNCT
inlawrev-3590	221	19	as	as	SCONJ
inlawrev-3590	221	20	may	may	AUX
inlawrev-3590	221	21	nuclear	nuclear	VERB
inlawrev-3590	221	22	hazard	hazard	NOUN
inlawrev-3590	221	23	exclusions	exclusion	NOUN
inlawrev-3590	221	24	.	.	PUNCT
inlawrev-3590	222	1	"	"	PUNCT
inlawrev-3590	222	2	bomb	bomb	NOUN
inlawrev-3590	222	3	damage	damage	NOUN
inlawrev-3590	222	4	"	"	PUNCT
inlawrev-3590	222	5	is	be	AUX
inlawrev-3590	222	6	another	another	DET
inlawrev-3590	222	7	category	category	NOUN
inlawrev-3590	222	8	ofloss	ofloss	NOUN
inlawrev-3590	222	9	that	that	PRON
inlawrev-3590	222	10	may	may	AUX
inlawrev-3590	222	11	become	become	VERB
inlawrev-3590	222	12	subject	subject	ADJ
inlawrev-3590	222	13	to	to	ADP
inlawrev-3590	222	14	greater	great	ADJ
inlawrev-3590	222	15	exclusions	exclusion	NOUN
inlawrev-3590	222	16	and	and	CCONJ
inlawrev-3590	222	17	limitations	limitation	NOUN
inlawrev-3590	222	18	.	.	PUNCT
inlawrev-3590	223	1	such	such	ADJ
inlawrev-3590	223	2	coverage	coverage	NOUN
inlawrev-3590	223	3	might	might	AUX
inlawrev-3590	223	4	be	be	AUX
inlawrev-3590	223	5	excluded	exclude	VERB
inlawrev-3590	223	6	from	from	ADP
inlawrev-3590	223	7	basic	basic	ADJ
inlawrev-3590	223	8	casualty	casualty	NOUN
inlawrev-3590	223	9	policies	policy	NOUN
inlawrev-3590	223	10	and	and	CCONJ
inlawrev-3590	223	11	available	available	ADJ
inlawrev-3590	223	12	only	only	ADV
inlawrev-3590	223	13	through	through	ADP
inlawrev-3590	223	14	separate	separate	ADJ
inlawrev-3590	223	15	riders	rider	NOUN
inlawrev-3590	223	16	such	such	ADJ
inlawrev-3590	223	17	as	as	ADP
inlawrev-3590	223	18	those	those	PRON
inlawrev-3590	223	19	for	for	ADP
inlawrev-3590	223	20	earthquake	earthquake	NOUN
inlawrev-3590	223	21	and	and	CCONJ
inlawrev-3590	223	22	flood	flood	NOUN
inlawrev-3590	223	23	damage	damage	NOUN
inlawrev-3590	223	24	in	in	ADP
inlawrev-3590	223	25	many	many	ADJ
inlawrev-3590	223	26	jurisdictions	jurisdiction	NOUN
inlawrev-3590	223	27	.	.	PUNCT
inlawrev-3590	224	1	coverage	coverage	NOUN
inlawrev-3590	224	2	through	through	ADP
inlawrev-3590	224	3	separate	separate	ADJ
inlawrev-3590	224	4	riders	rider	NOUN
inlawrev-3590	224	5	allows	allow	VERB
inlawrev-3590	224	6	insurers	insurer	NOUN
inlawrev-3590	224	7	to	to	PART
inlawrev-3590	224	8	take	take	VERB
inlawrev-3590	224	9	on	on	ADP
inlawrev-3590	224	10	risks	risk	NOUN
inlawrev-3590	224	11	selectively	selectively	ADV
inlawrev-3590	224	12	to	to	PART
inlawrev-3590	224	13	ensure	ensure	VERB
inlawrev-3590	224	14	adequate	adequate	ADJ
inlawrev-3590	224	15	diversification	diversification	NOUN
inlawrev-3590	224	16	and	and	CCONJ
inlawrev-3590	224	17	also	also	ADV
inlawrev-3590	224	18	allows	allow	VERB
inlawrev-3590	224	19	coverage	coverage	NOUN
inlawrev-3590	224	20	to	to	PART
inlawrev-3590	224	21	be	be	AUX
inlawrev-3590	224	22	priced	price	VERB
inlawrev-3590	224	23	more	more	ADV
inlawrev-3590	224	24	proportionately	proportionately	ADV
inlawrev-3590	224	25	to	to	ADP
inlawrev-3590	224	26	each	each	DET
inlawrev-3590	224	27	insured	insure	VERB
inlawrev-3590	224	28	's	's	PART
inlawrev-3590	224	29	exposure	exposure	NOUN
inlawrev-3590	224	30	to	to	ADP
inlawrev-3590	224	31	risk	risk	NOUN
inlawrev-3590	224	32	.	.	PUNCT
inlawrev-3590	225	1	insurers	insurer	NOUN
inlawrev-3590	225	2	will	will	AUX
inlawrev-3590	225	3	also	also	ADV
inlawrev-3590	225	4	protect	protect	VERB
inlawrev-3590	225	5	themselves	themselves	PRON
inlawrev-3590	225	6	through	through	ADP
inlawrev-3590	225	7	dollar	dollar	NOUN
inlawrev-3590	225	8	limits	limit	NOUN
inlawrev-3590	225	9	of	of	ADP
inlawrev-3590	225	10	liability	liability	NOUN
inlawrev-3590	225	11	as	as	SCONJ
inlawrev-3590	225	12	they	they	PRON
inlawrev-3590	225	13	always	always	ADV
inlawrev-3590	225	14	have	have	VERB
inlawrev-3590	225	15	in	in	ADP
inlawrev-3590	225	16	the	the	DET
inlawrev-3590	225	17	past	past	NOUN
inlawrev-3590	225	18	.	.	PUNCT
inlawrev-3590	226	1	these	these	DET
inlawrev-3590	226	2	adjustments	adjustment	NOUN
inlawrev-3590	226	3	are	be	AUX
inlawrev-3590	226	4	well	well	ADV
inlawrev-3590	226	5	underway	underway	ADJ
inlawrev-3590	226	6	.	.	PUNCT
inlawrev-3590	227	1	indeed	indeed	ADV
inlawrev-3590	227	2	,	,	PUNCT
inlawrev-3590	227	3	insurers	insurer	NOUN
inlawrev-3590	227	4	are	be	AUX
inlawrev-3590	227	5	again	again	ADV
inlawrev-3590	227	6	willing	willing	ADJ
inlawrev-3590	227	7	to	to	PART
inlawrev-3590	227	8	sell	sell	VERB
inlawrev-3590	227	9	large	large	ADJ
inlawrev-3590	227	10	amounts	amount	NOUN
inlawrev-3590	227	11	of	of	ADP
inlawrev-3590	227	12	coverage	coverage	NOUN
inlawrev-3590	227	13	to	to	ADP
inlawrev-3590	227	14	airlines	airline	NOUN
inlawrev-3590	227	15	for	for	ADP
inlawrev-3590	227	16	ground	ground	NOUN
inlawrev-3590	227	17	damage	damage	NOUN
inlawrev-3590	227	18	caused	cause	VERB
inlawrev-3590	227	19	by	by	ADP
inlawrev-3590	227	20	aircraft	aircraft	NOUN
inlawrev-3590	227	21	2003	2003	NUM
inlawrev-3590	227	22	]	]	PUNCT
inlawrev-3590	227	23	terrorism	terrorism	NOUN
inlawrev-3590	227	24	and	and	CCONJ
inlawrev-3590	227	25	insurance	insurance	NOUN
inlawrev-3590	227	26	markets	market	NOUN
inlawrev-3590	227	27	457	457	NUM
inlawrev-3590	227	28	and	and	CCONJ
inlawrev-3590	227	29	are	be	AUX
inlawrev-3590	227	30	thus	thus	ADV
inlawrev-3590	227	31	urging	urge	VERB
inlawrev-3590	227	32	the	the	DET
inlawrev-3590	227	33	government	government	NOUN
inlawrev-3590	227	34	to	to	PART
inlawrev-3590	227	35	exit	exit	VERB
inlawrev-3590	227	36	that	that	DET
inlawrev-3590	227	37	market	market	NOUN
inlawrev-3590	227	38	.	.	PUNCT
inlawrev-3590	228	1	coverage	coverage	NOUN
inlawrev-3590	228	2	for	for	ADP
inlawrev-3590	228	3	terror	terror	NOUN
inlawrev-3590	228	4	damage	damage	NOUN
inlawrev-3590	228	5	under	under	ADP
inlawrev-3590	228	6	property	property	NOUN
inlawrev-3590	228	7	-	-	PUNCT
inlawrev-3590	228	8	casualty	casualty	NOUN
inlawrev-3590	228	9	policies	policy	NOUN
inlawrev-3590	228	10	will	will	AUX
inlawrev-3590	228	11	likely	likely	ADV
inlawrev-3590	228	12	return	return	VERB
inlawrev-3590	228	13	before	before	ADV
inlawrev-3590	228	14	long	long	ADV
inlawrev-3590	228	15	as	as	ADV
inlawrev-3590	228	16	well	well	ADV
inlawrev-3590	228	17	,	,	PUNCT
inlawrev-3590	228	18	subject	subject	ADJ
inlawrev-3590	228	19	to	to	ADP
inlawrev-3590	228	20	the	the	DET
inlawrev-3590	228	21	sorts	sort	NOUN
inlawrev-3590	228	22	of	of	ADP
inlawrev-3590	228	23	changes	change	NOUN
inlawrev-3590	228	24	noted	note	VERB
inlawrev-3590	228	25	above	above	ADV
inlawrev-3590	228	26	.	.	PUNCT
inlawrev-3590	229	1	insurance	insurance	NOUN
inlawrev-3590	229	2	companies	company	NOUN
inlawrev-3590	229	3	are	be	AUX
inlawrev-3590	229	4	not	not	PART
inlawrev-3590	229	5	the	the	DET
inlawrev-3590	229	6	only	only	ADJ
inlawrev-3590	229	7	sources	source	NOUN
inlawrev-3590	229	8	of	of	ADP
inlawrev-3590	229	9	"	"	PUNCT
inlawrev-3590	229	10	insurance	insurance	NOUN
inlawrev-3590	229	11	"	"	PUNCT
inlawrev-3590	229	12	against	against	ADP
inlawrev-3590	229	13	terrorrelated	terrorrelate	VERB
inlawrev-3590	229	14	losses	loss	NOUN
inlawrev-3590	229	15	.	.	PUNCT
inlawrev-3590	230	1	the	the	DET
inlawrev-3590	230	2	catastrophe	catastrophe	NOUN
inlawrev-3590	230	3	reinsurance	reinsurance	NOUN
inlawrev-3590	230	4	crisis	crisis	NOUN
inlawrev-3590	230	5	of	of	ADP
inlawrev-3590	230	6	the	the	DET
inlawrev-3590	230	7	early	early	ADJ
inlawrev-3590	230	8	1990s	1990	NOUN
inlawrev-3590	230	9	spurred	spur	VERB
inlawrev-3590	230	10	the	the	DET
inlawrev-3590	230	11	growth	growth	NOUN
inlawrev-3590	230	12	ofnew	ofnew	ADJ
inlawrev-3590	230	13	financial	financial	ADJ
inlawrev-3590	230	14	instruments	instrument	NOUN
inlawrev-3590	230	15	that	that	PRON
inlawrev-3590	230	16	allow	allow	VERB
inlawrev-3590	230	17	risks	risk	NOUN
inlawrev-3590	230	18	to	to	PART
inlawrev-3590	230	19	be	be	AUX
inlawrev-3590	230	20	allocated	allocate	VERB
inlawrev-3590	230	21	to	to	ADP
inlawrev-3590	230	22	the	the	DET
inlawrev-3590	230	23	capital	capital	NOUN
inlawrev-3590	230	24	markets	market	NOUN
inlawrev-3590	230	25	.	.	PUNCT
inlawrev-3590	231	1	catastrophe	catastrophe	NOUN
inlawrev-3590	231	2	futures	future	NOUN
inlawrev-3590	231	3	and	and	CCONJ
inlawrev-3590	231	4	catastrophe	catastrophe	NOUN
inlawrev-3590	231	5	bonds	bond	NOUN
inlawrev-3590	231	6	now	now	ADV
inlawrev-3590	231	7	allow	allow	VERB
inlawrev-3590	231	8	any	any	DET
inlawrev-3590	231	9	investor	investor	NOUN
inlawrev-3590	231	10	to	to	PART
inlawrev-3590	231	11	contract	contract	VERB
inlawrev-3590	231	12	to	to	PART
inlawrev-3590	231	13	make	make	VERB
inlawrev-3590	231	14	or	or	CCONJ
inlawrev-3590	231	15	receive	receive	VERB
inlawrev-3590	231	16	state	state	NOUN
inlawrev-3590	231	17	contingent	contingent	NOUN
inlawrev-3590	231	18	payments	payment	NOUN
inlawrev-3590	231	19	in	in	ADP
inlawrev-3590	231	20	the	the	DET
inlawrev-3590	231	21	event	event	NOUN
inlawrev-3590	231	22	of	of	ADP
inlawrev-3590	231	23	disasters	disaster	NOUN
inlawrev-3590	231	24	.	.	PUNCT
inlawrev-3590	232	1	payments	payment	NOUN
inlawrev-3590	232	2	,	,	PUNCT
inlawrev-3590	232	3	in	in	ADP
inlawrev-3590	232	4	the	the	DET
inlawrev-3590	232	5	event	event	NOUN
inlawrev-3590	232	6	ofa	ofa	PROPN
inlawrev-3590	232	7	catastrophic	catastrophic	ADJ
inlawrev-3590	232	8	loss	loss	NOUN
inlawrev-3590	232	9	,	,	PUNCT
inlawrev-3590	232	10	are	be	AUX
inlawrev-3590	232	11	dependent	dependent	ADJ
inlawrev-3590	232	12	on	on	ADP
inlawrev-3590	232	13	aggregate	aggregate	ADJ
inlawrev-3590	232	14	indices	index	NOUN
inlawrev-3590	232	15	of	of	ADP
inlawrev-3590	232	16	insurance	insurance	NOUN
inlawrev-3590	232	17	industry	industry	NOUN
inlawrev-3590	232	18	losses	loss	NOUN
inlawrev-3590	232	19	,	,	PUNCT
inlawrev-3590	232	20	thus	thus	ADV
inlawrev-3590	232	21	eliminating	eliminate	VERB
inlawrev-3590	232	22	any	any	DET
inlawrev-3590	232	23	adverse	adverse	ADJ
inlawrev-3590	232	24	selection	selection	NOUN
inlawrev-3590	232	25	or	or	CCONJ
inlawrev-3590	232	26	moral	moral	ADJ
inlawrev-3590	232	27	hazard	hazard	NOUN
inlawrev-3590	232	28	that	that	PRON
inlawrev-3590	232	29	these	these	DET
inlawrev-3590	232	30	contracts	contract	NOUN
inlawrev-3590	232	31	might	might	AUX
inlawrev-3590	232	32	otherwise	otherwise	ADV
inlawrev-3590	232	33	produce.^	produce.^	VERB
inlawrev-3590	232	34	'	'	PUNCT
inlawrev-3590	232	35	the	the	DET
inlawrev-3590	232	36	adjustments	adjustment	NOUN
inlawrev-3590	232	37	that	that	PRON
inlawrev-3590	232	38	we	we	PRON
inlawrev-3590	232	39	describe	describe	VERB
inlawrev-3590	232	40	for	for	ADP
inlawrev-3590	232	41	insurance	insurance	NOUN
inlawrev-3590	232	42	markets	market	NOUN
inlawrev-3590	232	43	are	be	AUX
inlawrev-3590	232	44	not	not	PART
inlawrev-3590	232	45	yet	yet	ADV
inlawrev-3590	232	46	complete	complete	ADJ
inlawrev-3590	232	47	,	,	PUNCT
inlawrev-3590	232	48	and	and	CCONJ
inlawrev-3590	232	49	we	we	PRON
inlawrev-3590	232	50	can	can	AUX
inlawrev-3590	232	51	not	not	PART
inlawrev-3590	232	52	know	know	VERB
inlawrev-3590	232	53	quite	quite	ADV
inlawrev-3590	232	54	when	when	SCONJ
inlawrev-3590	232	55	the	the	DET
inlawrev-3590	232	56	market	market	NOUN
inlawrev-3590	232	57	will	will	AUX
inlawrev-3590	232	58	settle	settle	VERB
inlawrev-3590	232	59	into	into	ADP
inlawrev-3590	232	60	a	a	DET
inlawrev-3590	232	61	new	new	ADJ
inlawrev-3590	232	62	equilibrium	equilibrium	NOUN
inlawrev-3590	232	63	.	.	PUNCT
inlawrev-3590	233	1	one	one	PRON
inlawrev-3590	233	2	may	may	AUX
inlawrev-3590	233	3	therefore	therefore	ADV
inlawrev-3590	233	4	ask	ask	VERB
inlawrev-3590	233	5	whether	whether	SCONJ
inlawrev-3590	233	6	there	there	PRON
inlawrev-3590	233	7	is	be	VERB
inlawrev-3590	233	8	any	any	DET
inlawrev-3590	233	9	role	role	NOUN
inlawrev-3590	233	10	for	for	ADP
inlawrev-3590	233	11	government	government	NOUN
inlawrev-3590	233	12	during	during	ADP
inlawrev-3590	233	13	the	the	DET
inlawrev-3590	233	14	transition	transition	NOUN
inlawrev-3590	233	15	to	to	ADP
inlawrev-3590	233	16	a	a	DET
inlawrev-3590	233	17	more	more	ADV
inlawrev-3590	233	18	stable	stable	ADJ
inlawrev-3590	233	19	situation	situation	NOUN
inlawrev-3590	233	20	.	.	PUNCT
inlawrev-3590	234	1	further	far	ADV
inlawrev-3590	234	2	,	,	PUNCT
inlawrev-3590	234	3	the	the	DET
inlawrev-3590	234	4	new	new	ADJ
inlawrev-3590	234	5	equilibrium	equilibrium	NOUN
inlawrev-3590	234	6	will	will	AUX
inlawrev-3590	234	7	likely	likely	ADV
inlawrev-3590	234	8	entail	entail	VERB
inlawrev-3590	234	9	some	some	DET
inlawrev-3590	234	10	additional	additional	ADJ
inlawrev-3590	234	11	coverage	coverage	NOUN
inlawrev-3590	234	12	exclusions	exclusion	NOUN
inlawrev-3590	234	13	,	,	PUNCT
inlawrev-3590	234	14	as	as	ADV
inlawrev-3590	234	15	well	well	ADV
inlawrev-3590	234	16	as	as	ADP
inlawrev-3590	234	17	limits	limit	NOUN
inlawrev-3590	234	18	on	on	ADP
inlawrev-3590	234	19	the	the	DET
inlawrev-3590	234	20	dollar	dollar	NOUN
inlawrev-3590	234	21	value	value	NOUN
inlawrev-3590	234	22	of	of	ADP
inlawrev-3590	234	23	coverage	coverage	NOUN
inlawrev-3590	234	24	,	,	PUNCT
inlawrev-3590	234	25	which	which	PRON
inlawrev-3590	234	26	make	make	VERB
inlawrev-3590	234	27	certain	certain	ADJ
inlawrev-3590	234	28	risks	risk	NOUN
inlawrev-3590	234	29	uninsurable	uninsurable	ADJ
inlawrev-3590	234	30	that	that	PRON
inlawrev-3590	234	31	might	might	AUX
inlawrev-3590	234	32	previously	previously	ADV
inlawrev-3590	234	33	have	have	AUX
inlawrev-3590	234	34	been	be	AUX
inlawrev-3590	234	35	covered	cover	VERB
inlawrev-3590	234	36	.	.	PUNCT
inlawrev-3590	235	1	one	one	PRON
inlawrev-3590	235	2	can	can	AUX
inlawrev-3590	235	3	further	far	ADV
inlawrev-3590	235	4	ask	ask	VERB
inlawrev-3590	235	5	whether	whether	SCONJ
inlawrev-3590	235	6	government	government	NOUN
inlawrev-3590	235	7	should	should	AUX
inlawrev-3590	235	8	step	step	VERB
inlawrev-3590	235	9	in	in	ADV
inlawrev-3590	235	10	to	to	PART
inlawrev-3590	235	11	make	make	VERB
inlawrev-3590	235	12	coverage	coverage	NOUN
inlawrev-3590	235	13	of	of	ADP
inlawrev-3590	235	14	these	these	DET
inlawrev-3590	235	15	risks	risk	NOUN
inlawrev-3590	235	16	available	available	ADJ
inlawrev-3590	235	17	.	.	PUNCT
inlawrev-3590	236	1	to	to	ADP
inlawrev-3590	236	2	these	these	DET
inlawrev-3590	236	3	issues	issue	NOUN
inlawrev-3590	236	4	we	we	PRON
inlawrev-3590	236	5	now	now	ADV
inlawrev-3590	236	6	turn	turn	VERB
inlawrev-3590	236	7	.	.	PUNCT
inlawrev-3590	237	1	ii	ii	X
inlawrev-3590	237	2	.	.	PUNCT
inlawrev-3590	238	1	the	the	DET
inlawrev-3590	238	2	uneasy	uneasy	ADJ
inlawrev-3590	238	3	(	(	PUNCT
inlawrev-3590	238	4	weak	weak	ADJ
inlawrev-3590	238	5	?	?	PUNCT
inlawrev-3590	238	6	)	)	PUNCT
inlawrev-3590	238	7	case	case	NOUN
inlawrev-3590	238	8	for	for	ADP
inlawrev-3590	238	9	government	government	NOUN
inlawrev-3590	238	10	involvement	involvement	NOUN
inlawrev-3590	238	11	consistent	consistent	ADJ
inlawrev-3590	238	12	with	with	ADP
inlawrev-3590	238	13	our	our	PRON
inlawrev-3590	238	14	prior	prior	ADJ
inlawrev-3590	238	15	discussion	discussion	NOUN
inlawrev-3590	238	16	,	,	PUNCT
inlawrev-3590	238	17	it	it	PRON
inlawrev-3590	238	18	is	be	AUX
inlawrev-3590	238	19	useful	useful	ADJ
inlawrev-3590	238	20	to	to	PART
inlawrev-3590	238	21	divide	divide	VERB
inlawrev-3590	238	22	the	the	DET
inlawrev-3590	238	23	analysis	analysis	NOUN
inlawrev-3590	238	24	between	between	ADP
inlawrev-3590	238	25	"	"	PUNCT
inlawrev-3590	238	26	transition	transition	NOUN
inlawrev-3590	238	27	"	"	PUNCT
inlawrev-3590	238	28	issues	issue	NOUN
inlawrev-3590	238	29	relating	relate	VERB
inlawrev-3590	238	30	to	to	ADP
inlawrev-3590	238	31	the	the	DET
inlawrev-3590	238	32	period	period	NOUN
inlawrev-3590	238	33	of	of	ADP
inlawrev-3590	238	34	risk	risk	NOUN
inlawrev-3590	238	35	overhang	overhang	NOUN
inlawrev-3590	238	36	and	and	CCONJ
inlawrev-3590	238	37	longerterm	longerterm	NOUN
inlawrev-3590	238	38	issues	issue	NOUN
inlawrev-3590	238	39	relating	relate	VERB
inlawrev-3590	238	40	to	to	ADP
inlawrev-3590	238	41	risks	risk	NOUN
inlawrev-3590	238	42	that	that	PRON
inlawrev-3590	238	43	are	be	AUX
inlawrev-3590	238	44	uninsurable	uninsurable	ADJ
inlawrev-3590	238	45	in	in	ADP
inlawrev-3590	238	46	the	the	DET
inlawrev-3590	238	47	private	private	ADJ
inlawrev-3590	238	48	market	market	NOUN
inlawrev-3590	238	49	.	.	PUNCT
inlawrev-3590	239	1	a.	a.	NOUN
inlawrev-3590	239	2	transition	transition	NOUN
inlawrev-3590	239	3	issues	issue	NOUN
inlawrev-3590	239	4	the	the	DET
inlawrev-3590	239	5	transition	transition	NOUN
inlawrev-3590	239	6	is	be	AUX
inlawrev-3590	239	7	ongoing	ongoing	ADJ
inlawrev-3590	239	8	to	to	ADP
inlawrev-3590	239	9	a	a	DET
inlawrev-3590	239	10	market	market	NOUN
inlawrev-3590	239	11	free	free	ADJ
inlawrev-3590	239	12	of	of	ADP
inlawrev-3590	239	13	the	the	DET
inlawrev-3590	239	14	current	current	ADJ
inlawrev-3590	239	15	risk	risk	NOUN
inlawrev-3590	239	16	overhang	overhang	NOUN
inlawrev-3590	239	17	,	,	PUNCT
inlawrev-3590	239	18	and	and	CCONJ
inlawrev-3590	239	19	its	its	PRON
inlawrev-3590	239	20	duration	duration	NOUN
inlawrev-3590	239	21	will	will	AUX
inlawrev-3590	239	22	depend	depend	VERB
inlawrev-3590	239	23	on	on	ADP
inlawrev-3590	239	24	future	future	ADJ
inlawrev-3590	239	25	experience	experience	NOUN
inlawrev-3590	239	26	with	with	ADP
inlawrev-3590	239	27	terrorism	terrorism	NOUN
inlawrev-3590	239	28	-	-	PUNCT
inlawrev-3590	239	29	related	relate	VERB
inlawrev-3590	239	30	losses	loss	NOUN
inlawrev-3590	239	31	.	.	PUNCT
inlawrev-3590	240	1	initially	initially	ADV
inlawrev-3590	240	2	governments	government	NOUN
inlawrev-3590	240	3	around	around	ADP
inlawrev-3590	240	4	the	the	DET
inlawrev-3590	240	5	world	world	NOUN
inlawrev-3590	240	6	stepped	step	VERB
inlawrev-3590	240	7	in	in	ADV
inlawrev-3590	240	8	to	to	PART
inlawrev-3590	240	9	provide	provide	VERB
inlawrev-3590	240	10	ground	ground	NOUN
inlawrev-3590	240	11	damage	damage	NOUN
inlawrev-3590	240	12	coverage	coverage	NOUN
inlawrev-3590	240	13	for	for	ADP
inlawrev-3590	240	14	airlines	airline	NOUN
inlawrev-3590	240	15	on	on	ADP
inlawrev-3590	240	16	an	an	DET
inlawrev-3590	240	17	ostensibly	ostensibly	ADV
inlawrev-3590	240	18	temporary	temporary	ADJ
inlawrev-3590	240	19	basis	basis	NOUN
inlawrev-3590	240	20	.	.	PUNCT
inlawrev-3590	241	1	since	since	SCONJ
inlawrev-3590	241	2	then	then	ADV
inlawrev-3590	241	3	,	,	PUNCT
inlawrev-3590	241	4	governments	government	NOUN
inlawrev-3590	241	5	in	in	ADP
inlawrev-3590	241	6	the	the	DET
inlawrev-3590	241	7	united	united	PROPN
inlawrev-3590	241	8	states	states	PROPN
inlawrev-3590	241	9	,	,	PUNCT
inlawrev-3590	241	10	germany	germany	PROPN
inlawrev-3590	241	11	,	,	PUNCT
inlawrev-3590	241	12	and	and	CCONJ
inlawrev-3590	241	13	france	france	PROPN
inlawrev-3590	241	14	have	have	AUX
inlawrev-3590	241	15	passed	pass	VERB
inlawrev-3590	241	16	government	government	NOUN
inlawrev-3590	241	17	-	-	PUNCT
inlawrev-3590	241	18	sponsored	sponsor	VERB
inlawrev-3590	241	19	terrorism	terrorism	NOUN
inlawrev-3590	241	20	reinsurance	reinsurance	NOUN
inlawrev-3590	241	21	programs	program	NOUN
inlawrev-3590	241	22	.	.	PUNCT
inlawrev-3590	242	1	with	with	ADP
inlawrev-3590	242	2	respect	respect	NOUN
inlawrev-3590	242	3	to	to	ADP
inlawrev-3590	242	4	airline	airline	NOUN
inlawrev-3590	242	5	coverage	coverage	NOUN
inlawrev-3590	242	6	,	,	PUNCT
inlawrev-3590	242	7	at	at	ADP
inlawrev-3590	242	8	least	least	ADJ
inlawrev-3590	242	9	part	part	VERB
inlawrev-3590	242	10	ofthe	ofthe	ADJ
inlawrev-3590	242	11	impetus	impetus	NOUN
inlawrev-3590	242	12	for	for	ADP
inlawrev-3590	242	13	government	government	NOUN
inlawrev-3590	242	14	participation	participation	NOUN
inlawrev-3590	242	15	is	be	AUX
inlawrev-3590	242	16	regulatory	regulatory	ADJ
inlawrev-3590	242	17	.	.	PUNCT
inlawrev-3590	243	1	airlines	airline	NOUN
inlawrev-3590	243	2	are	be	AUX
inlawrev-3590	243	3	required	require	VERB
inlawrev-3590	243	4	to	to	PART
inlawrev-3590	243	5	carry	carry	VERB
inlawrev-3590	243	6	substantial	substantial	ADJ
inlawrev-3590	243	7	coverage	coverage	NOUN
inlawrev-3590	243	8	for	for	ADP
inlawrev-3590	243	9	ground	ground	NOUN
inlawrev-3590	243	10	damage	damage	NOUN
inlawrev-3590	243	11	(	(	PUNCT
inlawrev-3590	243	12	for	for	ADP
inlawrev-3590	243	13	which	which	PRON
inlawrev-3590	243	14	airlines	airline	NOUN
inlawrev-3590	243	15	are	be	AUX
inlawrev-3590	243	16	strictly	strictly	ADV
inlawrev-3590	243	17	liable	liable	ADJ
inlawrev-3590	243	18	under	under	ADP
inlawrev-3590	243	19	u.s	u.s	PROPN
inlawrev-3590	243	20	.	.	PROPN
inlawrev-3590	243	21	tort	tort	NOUN
inlawrev-3590	243	22	law	law	NOUN
inlawrev-3590	243	23	)	)	PUNCT
inlawrev-3590	243	24	,	,	PUNCT
inlawrev-3590	243	25	and	and	CCONJ
inlawrev-3590	243	26	policy	policy	NOUN
inlawrev-3590	243	27	cancellations	cancellation	NOUN
inlawrev-3590	243	28	after	after	ADP
inlawrev-3590	243	29	september	september	PROPN
inlawrev-3590	243	30	1	1	NUM
inlawrev-3590	243	31	1	1	NUM
inlawrev-3590	243	32	evidently	evidently	ADV
inlawrev-3590	243	33	placed	place	VERB
inlawrev-3590	243	34	airlines	airline	NOUN
inlawrev-3590	243	35	into	into	ADP
inlawrev-3590	243	36	a	a	DET
inlawrev-3590	243	37	situation	situation	NOUN
inlawrev-3590	243	38	in	in	ADP
inlawrev-3590	243	39	which	which	PRON
inlawrev-3590	243	40	they	they	PRON
inlawrev-3590	243	41	could	could	AUX
inlawrev-3590	243	42	not	not	PART
inlawrev-3590	243	43	comply	comply	VERB
inlawrev-3590	243	44	with	with	ADP
inlawrev-3590	243	45	such	such	ADJ
inlawrev-3590	243	46	regulations	regulation	NOUN
inlawrev-3590	243	47	.	.	PUNCT
inlawrev-3590	244	1	as	as	ADP
inlawrev-3590	244	2	a	a	DET
inlawrev-3590	244	3	result	result	NOUN
inlawrev-3590	244	4	,	,	PUNCT
inlawrev-3590	244	5	airlines	airline	NOUN
inlawrev-3590	244	6	subject	subject	ADJ
inlawrev-3590	244	7	to	to	ADP
inlawrev-3590	244	8	these	these	DET
inlawrev-3590	244	9	cancellations	cancellation	NOUN
inlawrev-3590	244	10	were	be	AUX
inlawrev-3590	244	11	unable	unable	ADJ
inlawrev-3590	244	12	to	to	PART
inlawrev-3590	244	13	fly	fly	VERB
inlawrev-3590	244	14	legally.^^	legally.^^	ADP
inlawrev-3590	244	15	some	some	DET
inlawrev-3590	244	16	adjustment	adjustment	NOUN
inlawrev-3590	244	17	of	of	ADP
inlawrev-3590	244	18	government	government	NOUN
inlawrev-3590	244	19	policy	policy	NOUN
inlawrev-3590	244	20	was	be	AUX
inlawrev-3590	244	21	in	in	ADP
inlawrev-3590	244	22	order	order	NOUN
inlawrev-3590	244	23	at	at	ADP
inlawrev-3590	244	24	that	that	DET
inlawrev-3590	244	25	point	point	NOUN
inlawrev-3590	244	26	,	,	PUNCT
inlawrev-3590	244	27	and	and	CCONJ
inlawrev-3590	244	28	government	government	NOUN
inlawrev-3590	244	29	provision	provision	NOUN
inlawrev-3590	244	30	of	of	ADP
inlawrev-3590	244	31	3	3	NUM
inlawrev-3590	244	32	1	1	NUM
inlawrev-3590	244	33	.	.	PUNCT
inlawrev-3590	245	1	see	see	VERB
inlawrev-3590	245	2	christopher	christopher	PROPN
inlawrev-3590	245	3	lewis	lewis	PROPN
inlawrev-3590	245	4	&	&	CCONJ
inlawrev-3590	245	5	kevin	kevin	PROPN
inlawrev-3590	245	6	murdock	murdock	PROPN
inlawrev-3590	245	7	,	,	PUNCT
inlawrev-3590	245	8	alternative	alternative	ADJ
inlawrev-3590	245	9	means	mean	NOUN
inlawrev-3590	245	10	of	of	ADP
inlawrev-3590	245	11	redistributing	redistribute	VERB
inlawrev-3590	245	12	catastrophic	catastrophic	ADJ
inlawrev-3590	245	13	risk	risk	NOUN
inlawrev-3590	245	14	in	in	ADP
inlawrev-3590	245	15	a	a	DET
inlawrev-3590	245	16	national	national	ADJ
inlawrev-3590	245	17	risk	risk	NOUN
inlawrev-3590	245	18	management	management	NOUN
inlawrev-3590	245	19	system	system	NOUN
inlawrev-3590	245	20	,	,	PUNCT
inlawrev-3590	245	21	in	in	ADP
inlawrev-3590	245	22	the	the	DET
inlawrev-3590	245	23	financing	financing	NOUN
inlawrev-3590	245	24	of	of	ADP
inlawrev-3590	245	25	catastrophe	catastrophe	NOUN
inlawrev-3590	245	26	risk	risk	NOUN
inlawrev-3590	245	27	,	,	PUNCT
inlawrev-3590	245	28	supra	supra	PROPN
inlawrev-3590	245	29	note	note	NOUN
inlawrev-3590	245	30	1	1	NUM
inlawrev-3590	245	31	1	1	NUM
inlawrev-3590	245	32	,	,	PUNCT
inlawrev-3590	245	33	at	at	ADP
inlawrev-3590	245	34	5	5	NUM
inlawrev-3590	245	35	l	l	NOUN
inlawrev-3590	245	36	32	32	NUM
inlawrev-3590	245	37	.	.	PUNCT
inlawrev-3590	246	1	see	see	VERB
inlawrev-3590	246	2	terror	terror	NOUN
inlawrev-3590	246	3	in	in	ADP
inlawrev-3590	246	4	the	the	DET
inlawrev-3590	246	5	air	air	NOUN
inlawrev-3590	246	6	:	:	PUNCT
inlawrev-3590	246	7	governments	government	NOUN
inlawrev-3590	246	8	are	be	AUX
inlawrev-3590	246	9	still	still	ADV
inlawrev-3590	246	10	under	under	ADP
inlawrev-3590	246	11	pressure	pressure	NOUN
inlawrev-3590	246	12	to	to	PART
inlawrev-3590	246	13	insure	insure	VERB
inlawrev-3590	246	14	airline	airline	NOUN
inlawrev-3590	246	15	risk	risk	NOUN
inlawrev-3590	246	16	terror	terror	NOUN
inlawrev-3590	246	17	,	,	PUNCT
inlawrev-3590	246	18	the	the	DET
inlawrev-3590	246	19	economist	economist	NOUN
inlawrev-3590	246	20	,	,	PUNCT
inlawrev-3590	246	21	mar	mar	PROPN
inlawrev-3590	246	22	.	.	PROPN
inlawrev-3590	246	23	23	23	NUM
inlawrev-3590	246	24	,	,	PUNCT
inlawrev-3590	246	25	2002	2002	NUM
inlawrev-3590	246	26	.	.	PUNCT
inlawrev-3590	247	1	458	458	NUM
inlawrev-3590	247	2	indiana	indiana	PROPN
inlawrev-3590	247	3	law	law	PROPN
inlawrev-3590	247	4	review	review	NOUN
inlawrev-3590	247	5	[	[	X
inlawrev-3590	247	6	vol	vol	NOUN
inlawrev-3590	247	7	.	.	PUNCT
inlawrev-3590	248	1	36:447	36:447	NUM
inlawrev-3590	248	2	insurance	insurance	NOUN
inlawrev-3590	248	3	on	on	ADP
inlawrev-3590	248	4	a	a	DET
inlawrev-3590	248	5	temporary	temporary	ADJ
inlawrev-3590	248	6	basis	basis	NOUN
inlawrev-3590	248	7	may	may	AUX
inlawrev-3590	248	8	have	have	AUX
inlawrev-3590	248	9	been	be	AUX
inlawrev-3590	248	10	a	a	DET
inlawrev-3590	248	11	reasonable	reasonable	ADJ
inlawrev-3590	248	12	choice	choice	NOUN
inlawrev-3590	248	13	among	among	ADP
inlawrev-3590	248	14	the	the	DET
inlawrev-3590	248	15	available	available	ADJ
inlawrev-3590	248	16	options	option	NOUN
inlawrev-3590	248	17	(	(	PUNCT
inlawrev-3590	248	18	regulatory	regulatory	ADJ
inlawrev-3590	248	19	waivers	waiver	NOUN
inlawrev-3590	248	20	or	or	CCONJ
inlawrev-3590	248	21	changes	change	NOUN
inlawrev-3590	248	22	in	in	ADP
inlawrev-3590	248	23	liability	liability	NOUN
inlawrev-3590	248	24	rules	rule	NOUN
inlawrev-3590	248	25	being	be	AUX
inlawrev-3590	248	26	the	the	DET
inlawrev-3590	248	27	others	other	NOUN
inlawrev-3590	248	28	)	)	PUNCT
inlawrev-3590	248	29	.	.	PUNCT
inlawrev-3590	249	1	even	even	ADV
inlawrev-3590	249	2	so	so	ADV
inlawrev-3590	249	3	,	,	PUNCT
inlawrev-3590	249	4	government	government	NOUN
inlawrev-3590	249	5	involvement	involvement	NOUN
inlawrev-3590	249	6	in	in	ADP
inlawrev-3590	249	7	the	the	DET
inlawrev-3590	249	8	sale	sale	NOUN
inlawrev-3590	249	9	of	of	ADP
inlawrev-3590	249	10	airline	airline	NOUN
inlawrev-3590	249	11	coverage	coverage	NOUN
inlawrev-3590	249	12	illustrates	illustrate	VERB
inlawrev-3590	249	13	one	one	NUM
inlawrev-3590	249	14	of	of	ADP
inlawrev-3590	249	15	the	the	DET
inlawrev-3590	249	16	important	important	ADJ
inlawrev-3590	249	17	potential	potential	ADJ
inlawrev-3590	249	18	problems	problem	NOUN
inlawrev-3590	249	19	with	with	ADP
inlawrev-3590	249	20	government	government	NOUN
inlawrev-3590	249	21	participation	participation	NOUN
inlawrev-3590	249	22	in	in	ADP
inlawrev-3590	249	23	the	the	DET
inlawrev-3590	249	24	insurance	insurance	NOUN
inlawrev-3590	249	25	market	market	NOUN
inlawrev-3590	249	26	.	.	PUNCT
inlawrev-3590	250	1	at	at	ADP
inlawrev-3590	250	2	least	least	ADJ
inlawrev-3590	250	3	some	some	PRON
inlawrev-3590	250	4	private	private	ADJ
inlawrev-3590	250	5	insurers	insurer	NOUN
inlawrev-3590	250	6	are	be	AUX
inlawrev-3590	250	7	once	once	ADV
inlawrev-3590	250	8	again	again	ADV
inlawrev-3590	250	9	willing	willing	ADJ
inlawrev-3590	250	10	to	to	PART
inlawrev-3590	250	11	supply	supply	VERB
inlawrev-3590	250	12	coverage	coverage	NOUN
inlawrev-3590	250	13	but	but	CCONJ
inlawrev-3590	250	14	the	the	DET
inlawrev-3590	250	15	airline	airline	NOUN
inlawrev-3590	250	16	industry	industry	NOUN
inlawrev-3590	250	17	objects	object	VERB
inlawrev-3590	250	18	that	that	SCONJ
inlawrev-3590	250	19	it	it	PRON
inlawrev-3590	250	20	is	be	AUX
inlawrev-3590	250	21	too	too	ADV
inlawrev-3590	250	22	expensive	expensive	ADJ
inlawrev-3590	250	23	.	.	PUNCT
inlawrev-3590	251	1	as	as	ADP
inlawrev-3590	251	2	a	a	DET
inlawrev-3590	251	3	result	result	NOUN
inlawrev-3590	251	4	,	,	PUNCT
inlawrev-3590	251	5	government	government	NOUN
inlawrev-3590	251	6	programs	program	NOUN
inlawrev-3590	251	7	supplying	supply	VERB
inlawrev-3590	251	8	temporary	temporary	ADJ
inlawrev-3590	251	9	coverage	coverage	NOUN
inlawrev-3590	251	10	have	have	AUX
inlawrev-3590	251	11	been	be	AUX
inlawrev-3590	251	12	extended	extend	VERB
inlawrev-3590	251	13	beyond	beyond	ADP
inlawrev-3590	251	14	their	their	PRON
inlawrev-3590	251	15	original	original	ADJ
inlawrev-3590	251	16	expiration	expiration	NOUN
inlawrev-3590	251	17	dates	date	NOUN
inlawrev-3590	251	18	.	.	PUNCT
inlawrev-3590	252	1	this	this	DET
inlawrev-3590	252	2	policy	policy	NOUN
inlawrev-3590	252	3	obviously	obviously	ADV
inlawrev-3590	252	4	raises	raise	VERB
inlawrev-3590	252	5	the	the	DET
inlawrev-3590	252	6	concern	concern	NOUN
inlawrev-3590	252	7	that	that	SCONJ
inlawrev-3590	252	8	governments	government	NOUN
inlawrev-3590	252	9	are	be	AUX
inlawrev-3590	252	10	supplying	supply	VERB
inlawrev-3590	252	11	subsidized	subsidized	ADJ
inlawrev-3590	252	12	coverage	coverage	NOUN
inlawrev-3590	252	13	,	,	PUNCT
inlawrev-3590	252	14	and	and	CCONJ
inlawrev-3590	252	15	that	that	SCONJ
inlawrev-3590	252	16	political	political	ADJ
inlawrev-3590	252	17	pressures	pressure	NOUN
inlawrev-3590	252	18	will	will	AUX
inlawrev-3590	252	19	induce	induce	VERB
inlawrev-3590	252	20	continued	continued	ADJ
inlawrev-3590	252	21	coverage	coverage	NOUN
inlawrev-3590	252	22	.	.	PUNCT
inlawrev-3590	253	1	in	in	ADP
inlawrev-3590	253	2	that	that	DET
inlawrev-3590	253	3	event	event	NOUN
inlawrev-3590	253	4	,	,	PUNCT
inlawrev-3590	253	5	government	government	NOUN
inlawrev-3590	253	6	becomes	become	VERB
inlawrev-3590	253	7	the	the	DET
inlawrev-3590	253	8	problem	problem	NOUN
inlawrev-3590	253	9	rather	rather	ADV
inlawrev-3590	253	10	than	than	ADP
inlawrev-3590	253	11	the	the	DET
inlawrev-3590	253	12	solution	solution	NOUN
inlawrev-3590	253	13	,	,	PUNCT
inlawrev-3590	253	14	crowding	crowd	VERB
inlawrev-3590	253	15	out	out	ADP
inlawrev-3590	253	16	private	private	ADJ
inlawrev-3590	253	17	insurance	insurance	NOUN
inlawrev-3590	253	18	with	with	ADP
inlawrev-3590	253	19	subsidized	subsidized	ADJ
inlawrev-3590	253	20	public	public	ADJ
inlawrev-3590	253	21	insurance	insurance	NOUN
inlawrev-3590	253	22	and	and	CCONJ
inlawrev-3590	253	23	allowing	allow	VERB
inlawrev-3590	253	24	airlines	airline	NOUN
inlawrev-3590	253	25	to	to	PART
inlawrev-3590	253	26	externalize	externalize	VERB
inlawrev-3590	253	27	the	the	DET
inlawrev-3590	253	28	risks	risk	NOUN
inlawrev-3590	253	29	they	they	PRON
inlawrev-3590	253	30	create	create	VERB
inlawrev-3590	253	31	.	.	PUNCT
inlawrev-3590	254	1	more	more	ADV
inlawrev-3590	254	2	generally	generally	ADV
inlawrev-3590	254	3	,	,	PUNCT
inlawrev-3590	254	4	one	one	PRON
inlawrev-3590	254	5	must	must	AUX
inlawrev-3590	254	6	ask	ask	VERB
inlawrev-3590	254	7	whether	whether	SCONJ
inlawrev-3590	254	8	there	there	PRON
inlawrev-3590	254	9	is	be	VERB
inlawrev-3590	254	10	some	some	DET
inlawrev-3590	254	11	market	market	NOUN
inlawrev-3590	254	12	failure	failure	NOUN
inlawrev-3590	254	13	that	that	SCONJ
inlawrev-3590	254	14	government	government	NOUN
inlawrev-3590	254	15	can	can	AUX
inlawrev-3590	254	16	constructively	constructively	ADV
inlawrev-3590	254	17	address	address	VERB
inlawrev-3590	254	18	.	.	PUNCT
inlawrev-3590	255	1	one	one	NUM
inlawrev-3590	255	2	familiar	familiar	ADJ
inlawrev-3590	255	3	source	source	NOUN
inlawrev-3590	255	4	ofmarket	ofmarket	ADJ
inlawrev-3590	255	5	failure	failure	NOUN
inlawrev-3590	255	6	is	be	AUX
inlawrev-3590	255	7	market	market	NOUN
inlawrev-3590	255	8	power	power	NOUN
inlawrev-3590	255	9	.	.	PUNCT
inlawrev-3590	256	1	it	it	PRON
inlawrev-3590	256	2	is	be	AUX
inlawrev-3590	256	3	conceivable	conceivable	ADJ
inlawrev-3590	256	4	that	that	SCONJ
inlawrev-3590	256	5	risk	risk	NOUN
inlawrev-3590	256	6	overhang	overhang	NOUN
inlawrev-3590	256	7	creates	create	VERB
inlawrev-3590	256	8	a	a	DET
inlawrev-3590	256	9	window	window	NOUN
inlawrev-3590	256	10	of	of	ADP
inlawrev-3590	256	11	time	time	NOUN
inlawrev-3590	256	12	in	in	ADP
inlawrev-3590	256	13	which	which	PRON
inlawrev-3590	256	14	market	market	NOUN
inlawrev-3590	256	15	power	power	NOUN
inlawrev-3590	256	16	may	may	AUX
inlawrev-3590	256	17	arise	arise	VERB
inlawrev-3590	256	18	and	and	CCONJ
inlawrev-3590	256	19	be	be	AUX
inlawrev-3590	256	20	exploited	exploit	VERB
inlawrev-3590	256	21	.	.	PUNCT
inlawrev-3590	257	1	as	as	SCONJ
inlawrev-3590	257	2	noted	note	VERB
inlawrev-3590	257	3	above	above	ADV
inlawrev-3590	257	4	,	,	PUNCT
inlawrev-3590	257	5	some	some	DET
inlawrev-3590	257	6	risks	risk	NOUN
inlawrev-3590	257	7	are	be	AUX
inlawrev-3590	257	8	so	so	ADV
inlawrev-3590	257	9	large	large	ADJ
inlawrev-3590	257	10	and	and	CCONJ
inlawrev-3590	257	11	non	non	ADJ
inlawrev-3590	257	12	-	-	ADJ
inlawrev-3590	257	13	diversifiable	diversifiable	ADJ
inlawrev-3590	257	14	as	as	SCONJ
inlawrev-3590	257	15	to	to	PART
inlawrev-3590	257	16	be	be	AUX
inlawrev-3590	257	17	uninsurable	uninsurable	ADJ
inlawrev-3590	257	18	,	,	PUNCT
inlawrev-3590	257	19	and	and	CCONJ
inlawrev-3590	257	20	others	other	NOUN
inlawrev-3590	257	21	are	be	AUX
inlawrev-3590	257	22	large	large	ADJ
inlawrev-3590	257	23	enough	enough	ADV
inlawrev-3590	257	24	that	that	SCONJ
inlawrev-3590	257	25	only	only	ADV
inlawrev-3590	257	26	the	the	DET
inlawrev-3590	257	27	most	most	ADV
inlawrev-3590	257	28	highly	highly	ADV
inlawrev-3590	257	29	capitalized	capitalize	VERB
inlawrev-3590	257	30	insurers	insurer	NOUN
inlawrev-3590	257	31	will	will	AUX
inlawrev-3590	257	32	cover	cover	VERB
inlawrev-3590	257	33	them	they	PRON
inlawrev-3590	257	34	.	.	PUNCT
inlawrev-3590	258	1	we	we	PRON
inlawrev-3590	258	2	would	would	AUX
inlawrev-3590	258	3	not	not	PART
inlawrev-3590	258	4	expect	expect	VERB
inlawrev-3590	258	5	market	market	NOUN
inlawrev-3590	258	6	power	power	NOUN
inlawrev-3590	258	7	to	to	PART
inlawrev-3590	258	8	afflict	afflict	VERB
inlawrev-3590	258	9	the	the	DET
inlawrev-3590	258	10	market	market	NOUN
inlawrev-3590	258	11	for	for	ADP
inlawrev-3590	258	12	coverage	coverage	NOUN
inlawrev-3590	258	13	ofthe	ofthe	ADJ
inlawrev-3590	258	14	latter	latter	ADJ
inlawrev-3590	258	15	types	type	NOUN
inlawrev-3590	258	16	of	of	ADP
inlawrev-3590	258	17	risks	risk	NOUN
inlawrev-3590	258	18	in	in	ADP
inlawrev-3590	258	19	the	the	DET
inlawrev-3590	258	20	long	long	ADJ
inlawrev-3590	258	21	run	run	NOUN
inlawrev-3590	258	22	because	because	SCONJ
inlawrev-3590	258	23	of	of	ADP
inlawrev-3590	258	24	competitive	competitive	ADJ
inlawrev-3590	258	25	entry	entry	NOUN
inlawrev-3590	258	26	by	by	ADP
inlawrev-3590	258	27	large	large	ADJ
inlawrev-3590	258	28	insurers	insurer	NOUN
inlawrev-3590	258	29	or	or	CCONJ
inlawrev-3590	258	30	insurance	insurance	NOUN
inlawrev-3590	258	31	groups	group	NOUN
inlawrev-3590	258	32	.	.	PUNCT
inlawrev-3590	259	1	however	however	ADV
inlawrev-3590	259	2	,	,	PUNCT
inlawrev-3590	259	3	in	in	ADP
inlawrev-3590	259	4	a	a	DET
inlawrev-3590	259	5	market	market	NOUN
inlawrev-3590	259	6	afflicted	afflict	VERB
inlawrev-3590	259	7	by	by	ADP
inlawrev-3590	259	8	risk	risk	NOUN
inlawrev-3590	259	9	overhang	overhang	NOUN
inlawrev-3590	259	10	,	,	PUNCT
inlawrev-3590	259	11	only	only	ADV
inlawrev-3590	259	12	the	the	DET
inlawrev-3590	259	13	very	very	ADV
inlawrev-3590	259	14	largest	large	ADJ
inlawrev-3590	259	15	insurer(s	insurer(s	NOUN
inlawrev-3590	259	16	)	)	PUNCT
inlawrev-3590	259	17	with	with	ADP
inlawrev-3590	259	18	experience	experience	NOUN
inlawrev-3590	259	19	writing	write	VERB
inlawrev-3590	259	20	a	a	DET
inlawrev-3590	259	21	particular	particular	ADJ
inlawrev-3590	259	22	kind	kind	NOUN
inlawrev-3590	259	23	ofcoverage	ofcoverage	NOUN
inlawrev-3590	259	24	might	might	AUX
inlawrev-3590	259	25	offer	offer	VERB
inlawrev-3590	259	26	it	it	PRON
inlawrev-3590	259	27	for	for	ADP
inlawrev-3590	259	28	a	a	DET
inlawrev-3590	259	29	time	time	NOUN
inlawrev-3590	259	30	.	.	PUNCT
inlawrev-3590	260	1	during	during	ADP
inlawrev-3590	260	2	that	that	DET
inlawrev-3590	260	3	window	window	NOUN
inlawrev-3590	260	4	,	,	PUNCT
inlawrev-3590	260	5	premiums	premium	NOUN
inlawrev-3590	260	6	might	might	AUX
inlawrev-3590	260	7	include	include	VERB
inlawrev-3590	260	8	not	not	PART
inlawrev-3590	260	9	only	only	ADV
inlawrev-3590	260	10	a	a	DET
inlawrev-3590	260	11	significant	significant	ADJ
inlawrev-3590	260	12	risk	risk	NOUN
inlawrev-3590	260	13	premium	premium	NOUN
inlawrev-3590	260	14	but	but	CCONJ
inlawrev-3590	260	15	a	a	DET
inlawrev-3590	260	16	monopoly	monopoly	NOUN
inlawrev-3590	260	17	markup	markup	NOUN
inlawrev-3590	260	18	as	as	ADV
inlawrev-3590	260	19	well	well	ADV
inlawrev-3590	260	20	.	.	PUNCT
inlawrev-3590	261	1	the	the	DET
inlawrev-3590	261	2	airline	airline	NOUN
inlawrev-3590	261	3	situation	situation	NOUN
inlawrev-3590	261	4	again	again	ADV
inlawrev-3590	261	5	offers	offer	VERB
inlawrev-3590	261	6	a	a	DET
inlawrev-3590	261	7	possible	possible	ADJ
inlawrev-3590	261	8	illustration	illustration	NOUN
inlawrev-3590	261	9	.	.	PUNCT
inlawrev-3590	262	1	the	the	DET
inlawrev-3590	262	2	largest	large	ADJ
inlawrev-3590	262	3	insurance	insurance	NOUN
inlawrev-3590	262	4	group	group	NOUN
inlawrev-3590	262	5	in	in	ADP
inlawrev-3590	262	6	the	the	DET
inlawrev-3590	262	7	world	world	NOUN
inlawrev-3590	262	8	by	by	ADP
inlawrev-3590	262	9	capitalization	capitalization	NOUN
inlawrev-3590	262	10	,	,	PUNCT
inlawrev-3590	262	11	american	american	PROPN
inlawrev-3590	262	12	international	international	PROPN
inlawrev-3590	262	13	group	group	PROPN
inlawrev-3590	262	14	,	,	PUNCT
inlawrev-3590	262	15	inc	inc	PROPN
inlawrev-3590	262	16	.	.	PROPN
inlawrev-3590	262	17	(	(	PUNCT
inlawrev-3590	262	18	"	"	PUNCT
inlawrev-3590	262	19	aig	aig	PROPN
inlawrev-3590	262	20	"	"	PUNCT
inlawrev-3590	262	21	)	)	PUNCT
inlawrev-3590	262	22	,	,	PUNCT
inlawrev-3590	262	23	is	be	AUX
inlawrev-3590	262	24	precisely	precisely	ADV
inlawrev-3590	262	25	the	the	DET
inlawrev-3590	262	26	group	group	NOUN
inlawrev-3590	262	27	that	that	PRON
inlawrev-3590	262	28	has	have	AUX
inlawrev-3590	262	29	recently	recently	ADV
inlawrev-3590	262	30	announced	announce	VERB
inlawrev-3590	262	31	its	its	PRON
inlawrev-3590	262	32	willingness	willingness	NOUN
inlawrev-3590	262	33	to	to	PART
inlawrev-3590	262	34	supply	supply	VERB
inlawrev-3590	262	35	ground	ground	NOUN
inlawrev-3590	262	36	damage	damage	NOUN
inlawrev-3590	262	37	coverage	coverage	NOUN
inlawrev-3590	262	38	to	to	ADP
inlawrev-3590	262	39	airlines	airline	NOUN
inlawrev-3590	262	40	in	in	ADP
inlawrev-3590	262	41	amounts	amount	NOUN
inlawrev-3590	262	42	comparable	comparable	ADJ
inlawrev-3590	262	43	to	to	ADP
inlawrev-3590	262	44	those	those	PRON
inlawrev-3590	262	45	available	available	ADJ
inlawrev-3590	262	46	before	before	ADP
inlawrev-3590	262	47	september	september	PROPN
inlawrev-3590	262	48	1	1	NUM
inlawrev-3590	262	49	1	1	NUM
inlawrev-3590	262	50	.	.	PUNCT
inlawrev-3590	262	51	"	"	PUNCT
inlawrev-3590	263	1	however	however	ADV
inlawrev-3590	263	2	,	,	PUNCT
inlawrev-3590	263	3	the	the	DET
inlawrev-3590	263	4	airlines	airline	NOUN
inlawrev-3590	263	5	complained	complain	VERB
inlawrev-3590	263	6	vociferously	vociferously	ADV
inlawrev-3590	263	7	that	that	SCONJ
inlawrev-3590	263	8	this	this	DET
inlawrev-3590	263	9	coverage	coverage	NOUN
inlawrev-3590	263	10	is	be	AUX
inlawrev-3590	263	11	overpriced	overprice	VERB
inlawrev-3590	263	12	and	and	CCONJ
inlawrev-3590	263	13	have	have	AUX
inlawrev-3590	263	14	persuaded	persuade	VERB
inlawrev-3590	263	15	governments	government	NOUN
inlawrev-3590	263	16	to	to	PART
inlawrev-3590	263	17	remain	remain	VERB
inlawrev-3590	263	18	in	in	ADP
inlawrev-3590	263	19	the	the	DET
inlawrev-3590	263	20	market	market	NOUN
inlawrev-3590	263	21	for	for	ADP
inlawrev-3590	263	22	now	now	ADV
inlawrev-3590	263	23	.	.	PUNCT
inlawrev-3590	264	1	we	we	PRON
inlawrev-3590	264	2	can	can	AUX
inlawrev-3590	264	3	not	not	PART
inlawrev-3590	264	4	rule	rule	VERB
inlawrev-3590	264	5	out	out	ADP
inlawrev-3590	264	6	the	the	DET
inlawrev-3590	264	7	possibility	possibility	NOUN
inlawrev-3590	264	8	that	that	SCONJ
inlawrev-3590	264	9	aig	aig	PROPN
inlawrev-3590	264	10	's	's	PART
inlawrev-3590	264	11	premiums	premium	NOUN
inlawrev-3590	264	12	contain	contain	VERB
inlawrev-3590	264	13	a	a	DET
inlawrev-3590	264	14	monopoly	monopoly	NOUN
inlawrev-3590	264	15	markup	markup	NOUN
inlawrev-3590	264	16	.	.	PUNCT
inlawrev-3590	265	1	if	if	SCONJ
inlawrev-3590	265	2	so	so	ADV
inlawrev-3590	265	3	,	,	PUNCT
inlawrev-3590	265	4	government	government	NOUN
inlawrev-3590	265	5	participation	participation	NOUN
inlawrev-3590	265	6	on	on	ADP
inlawrev-3590	265	7	a	a	DET
inlawrev-3590	265	8	temporary	temporary	ADJ
inlawrev-3590	265	9	basis	basis	NOUN
inlawrev-3590	265	10	might	might	AUX
inlawrev-3590	265	11	be	be	AUX
inlawrev-3590	265	12	justified	justify	VERB
inlawrev-3590	265	13	in	in	ADP
inlawrev-3590	265	14	principle	principle	NOUN
inlawrev-3590	265	15	.	.	PUNCT
inlawrev-3590	266	1	but	but	CCONJ
inlawrev-3590	266	2	it	it	PRON
inlawrev-3590	266	3	is	be	AUX
inlawrev-3590	266	4	also	also	ADV
inlawrev-3590	266	5	impossible	impossible	ADJ
inlawrev-3590	266	6	to	to	PART
inlawrev-3590	266	7	rule	rule	VERB
inlawrev-3590	266	8	out	out	ADP
inlawrev-3590	266	9	the	the	DET
inlawrev-3590	266	10	earlier	early	ADJ
inlawrev-3590	266	11	hypothesis	hypothesis	NOUN
inlawrev-3590	266	12	that	that	SCONJ
inlawrev-3590	266	13	government	government	NOUN
inlawrev-3590	266	14	coverage	coverage	NOUN
inlawrev-3590	266	15	is	be	AUX
inlawrev-3590	266	16	a	a	DET
inlawrev-3590	266	17	subsidy	subsidy	NOUN
inlawrev-3590	266	18	,	,	PUNCT
inlawrev-3590	266	19	and	and	CCONJ
inlawrev-3590	266	20	that	that	SCONJ
inlawrev-3590	266	21	the	the	DET
inlawrev-3590	266	22	higher	high	ADJ
inlawrev-3590	266	23	price	price	NOUN
inlawrev-3590	266	24	of	of	ADP
inlawrev-3590	266	25	private	private	ADJ
inlawrev-3590	266	26	coverage	coverage	NOUN
inlawrev-3590	266	27	reflects	reflect	VERB
inlawrev-3590	266	28	sensible	sensible	ADJ
inlawrev-3590	266	29	repricing	repricing	NOUN
inlawrev-3590	266	30	in	in	ADP
inlawrev-3590	266	31	the	the	DET
inlawrev-3590	266	32	face	face	NOUN
inlawrev-3590	266	33	of	of	ADP
inlawrev-3590	266	34	increased	increase	VERB
inlawrev-3590	266	35	risk	risk	NOUN
inlawrev-3590	266	36	.	.	PUNCT
inlawrev-3590	267	1	the	the	DET
inlawrev-3590	267	2	broader	broad	ADJ
inlawrev-3590	267	3	question	question	NOUN
inlawrev-3590	267	4	of	of	ADP
inlawrev-3590	267	5	whether	whether	SCONJ
inlawrev-3590	267	6	the	the	DET
inlawrev-3590	267	7	government	government	NOUN
inlawrev-3590	267	8	should	should	AUX
inlawrev-3590	267	9	go	go	VERB
inlawrev-3590	267	10	beyond	beyond	ADP
inlawrev-3590	267	11	assistance	assistance	NOUN
inlawrev-3590	267	12	to	to	ADP
inlawrev-3590	267	13	airlines	airline	NOUN
inlawrev-3590	267	14	to	to	PART
inlawrev-3590	267	15	supply	supply	VERB
inlawrev-3590	267	16	other	other	ADJ
inlawrev-3590	267	17	reinsurance	reinsurance	NOUN
inlawrev-3590	267	18	coverage	coverage	NOUN
inlawrev-3590	267	19	that	that	PRON
inlawrev-3590	267	20	the	the	DET
inlawrev-3590	267	21	market	market	NOUN
inlawrev-3590	267	22	will	will	AUX
inlawrev-3590	267	23	not	not	PART
inlawrev-3590	267	24	supply	supply	VERB
inlawrev-3590	267	25	turns	turn	VERB
inlawrev-3590	267	26	on	on	ADP
inlawrev-3590	267	27	somewhat	somewhat	ADV
inlawrev-3590	267	28	different	different	ADJ
inlawrev-3590	267	29	issues	issue	NOUN
inlawrev-3590	267	30	.	.	PUNCT
inlawrev-3590	268	1	as	as	SCONJ
inlawrev-3590	268	2	noted	note	VERB
inlawrev-3590	268	3	,	,	PUNCT
inlawrev-3590	268	4	the	the	DET
inlawrev-3590	268	5	capacity	capacity	NOUN
inlawrev-3590	268	6	limitations	limitation	NOUN
inlawrev-3590	268	7	that	that	PRON
inlawrev-3590	268	8	create	create	VERB
inlawrev-3590	268	9	risk	risk	NOUN
inlawrev-3590	268	10	overhang	overhang	NOUN
inlawrev-3590	268	11	likely	likely	ADV
inlawrev-3590	268	12	result	result	VERB
inlawrev-3590	268	13	from	from	ADP
inlawrev-3590	268	14	the	the	DET
inlawrev-3590	268	15	relatively	relatively	ADV
inlawrev-3590	268	16	high	high	ADJ
inlawrev-3590	268	17	cost	cost	NOUN
inlawrev-3590	268	18	of	of	ADP
inlawrev-3590	268	19	external	external	ADJ
inlawrev-3590	268	20	capital	capital	NOUN
inlawrev-3590	268	21	to	to	ADP
inlawrev-3590	268	22	insurers	insurer	NOUN
inlawrev-3590	268	23	,	,	PUNCT
inlawrev-3590	268	24	particularly	particularly	ADV
inlawrev-3590	268	25	after	after	ADP
inlawrev-3590	268	26	a	a	DET
inlawrev-3590	268	27	series	series	NOUN
inlawrev-3590	268	28	of	of	ADP
inlawrev-3590	268	29	events	event	NOUN
inlawrev-3590	268	30	that	that	PRON
inlawrev-3590	268	31	produces	produce	VERB
inlawrev-3590	268	32	large	large	ADJ
inlawrev-3590	268	33	,	,	PUNCT
inlawrev-3590	268	34	unexpected	unexpected	ADJ
inlawrev-3590	268	35	losses	loss	NOUN
inlawrev-3590	268	36	.	.	PUNCT
inlawrev-3590	269	1	the	the	DET
inlawrev-3590	269	2	high	high	ADJ
inlawrev-3590	269	3	cost	cost	NOUN
inlawrev-3590	269	4	of	of	ADP
inlawrev-3590	269	5	external	external	ADJ
inlawrev-3590	269	6	capital	capital	NOUN
inlawrev-3590	269	7	,	,	PUNCT
inlawrev-3590	269	8	in	in	ADP
inlawrev-3590	269	9	turn	turn	NOUN
inlawrev-3590	269	10	,	,	PUNCT
inlawrev-3590	269	11	is	be	AUX
inlawrev-3590	269	12	likely	likely	ADJ
inlawrev-3590	269	13	a	a	DET
inlawrev-3590	269	14	product	product	NOUN
inlawrev-3590	269	15	of	of	ADP
inlawrev-3590	269	16	asymmetric	asymmetric	ADJ
inlawrev-3590	269	17	information	information	NOUN
inlawrev-3590	269	18	between	between	ADP
inlawrev-3590	269	19	insurers	insurer	NOUN
inlawrev-3590	269	20	and	and	CCONJ
inlawrev-3590	269	21	capital	capital	NOUN
inlawrev-3590	269	22	markets	market	NOUN
inlawrev-3590	269	23	and	and	CCONJ
inlawrev-3590	269	24	a	a	DET
inlawrev-3590	269	25	related	related	ADJ
inlawrev-3590	269	26	33	33	NUM
inlawrev-3590	269	27	.	.	PUNCT
inlawrev-3590	270	1	seea	seea	VERB
inlawrev-3590	270	2	nation	nation	PROPN
inlawrev-3590	270	3	challenged	challenge	VERB
inlawrev-3590	270	4	:	:	PUNCT
inlawrev-3590	270	5	the	the	DET
inlawrev-3590	270	6	insurers	insurer	NOUN
inlawrev-3590	270	7	;	;	PUNCT
inlawrev-3590	270	8	sales	sale	NOUN
inlawrev-3590	270	9	are	be	AUX
inlawrev-3590	270	10	resumedfor	resumedfor	ADP
inlawrev-3590	270	11	coverage	coverage	NOUN
inlawrev-3590	270	12	ofairlinesfor	ofairlinesfor	ADP
inlawrev-3590	270	13	terror	terror	NOUN
inlawrev-3590	270	14	damage	damage	NOUN
inlawrev-3590	270	15	,	,	PUNCT
inlawrev-3590	270	16	n.y	n.y	PROPN
inlawrev-3590	270	17	.	.	PROPN
inlawrev-3590	270	18	times	times	PROPN
inlawrev-3590	270	19	,	,	PUNCT
inlawrev-3590	270	20	sept	sept	PROPN
inlawrev-3590	270	21	.	.	PROPN
inlawrev-3590	270	22	25	25	NUM
inlawrev-3590	270	23	,	,	PUNCT
inlawrev-3590	270	24	2001	2001	NUM
inlawrev-3590	270	25	,	,	PUNCT
inlawrev-3590	270	26	at	at	ADP
inlawrev-3590	270	27	c4	c4	NOUN
inlawrev-3590	270	28	.	.	PUNCT
inlawrev-3590	271	1	2003	2003	NUM
inlawrev-3590	271	2	]	]	PUNCT
inlawrev-3590	271	3	terrorism	terrorism	NOUN
inlawrev-3590	271	4	and	and	CCONJ
inlawrev-3590	271	5	insurance	insurance	NOUN
inlawrev-3590	271	6	markets	market	NOUN
inlawrev-3590	271	7	459	459	NUM
inlawrev-3590	271	8	fear	fear	NOUN
inlawrev-3590	271	9	ofadverse	ofadverse	ADJ
inlawrev-3590	271	10	selection	selection	NOUN
inlawrev-3590	271	11	by	by	ADP
inlawrev-3590	271	12	insurers	insurer	NOUN
inlawrev-3590	271	13	with	with	ADP
inlawrev-3590	271	14	large	large	ADJ
inlawrev-3590	271	15	exposure	exposure	NOUN
inlawrev-3590	271	16	under	under	ADP
inlawrev-3590	271	17	existing	exist	VERB
inlawrev-3590	271	18	policies	policy	NOUN
inlawrev-3590	271	19	.	.	PUNCT
inlawrev-3590	272	1	a	a	DET
inlawrev-3590	272	2	perceived	perceive	VERB
inlawrev-3590	272	3	shortage	shortage	NOUN
inlawrev-3590	272	4	of	of	ADP
inlawrev-3590	272	5	coverage	coverage	NOUN
inlawrev-3590	272	6	can	can	AUX
inlawrev-3590	272	7	also	also	ADV
inlawrev-3590	272	8	result	result	VERB
inlawrev-3590	272	9	from	from	ADP
inlawrev-3590	272	10	the	the	DET
inlawrev-3590	272	11	high	high	ADJ
inlawrev-3590	272	12	risk	risk	NOUN
inlawrev-3590	272	13	premiums	premium	NOUN
inlawrev-3590	272	14	that	that	PRON
inlawrev-3590	272	15	insurers	insurer	NOUN
inlawrev-3590	272	16	will	will	AUX
inlawrev-3590	272	17	charge	charge	VERB
inlawrev-3590	272	18	to	to	PART
inlawrev-3590	272	19	write	write	VERB
inlawrev-3590	272	20	new	new	ADJ
inlawrev-3590	272	21	coverage	coverage	NOUN
inlawrev-3590	272	22	when	when	SCONJ
inlawrev-3590	272	23	the	the	DET
inlawrev-3590	272	24	uncertainty	uncertainty	NOUN
inlawrev-3590	272	25	about	about	ADP
inlawrev-3590	272	26	expected	expect	VERB
inlawrev-3590	272	27	losses	loss	NOUN
inlawrev-3590	272	28	is	be	AUX
inlawrev-3590	272	29	great	great	ADJ
inlawrev-3590	272	30	.	.	PUNCT
inlawrev-3590	273	1	can	can	AUX
inlawrev-3590	273	2	these	these	DET
inlawrev-3590	273	3	circumstances	circumstance	NOUN
inlawrev-3590	273	4	be	be	AUX
inlawrev-3590	273	5	viewed	view	VERB
inlawrev-3590	273	6	as	as	ADP
inlawrev-3590	273	7	a	a	DET
inlawrev-3590	273	8	"	"	PUNCT
inlawrev-3590	273	9	market	market	NOUN
inlawrev-3590	273	10	failure	failure	NOUN
inlawrev-3590	273	11	"	"	PUNCT
inlawrev-3590	273	12	remediable	remediable	NOUN
inlawrev-3590	273	13	by	by	ADP
inlawrev-3590	273	14	the	the	DET
inlawrev-3590	273	15	government	government	NOUN
inlawrev-3590	273	16	?	?	PUNCT
inlawrev-3590	274	1	the	the	DET
inlawrev-3590	274	2	answer	answer	NOUN
inlawrev-3590	274	3	is	be	AUX
inlawrev-3590	274	4	somewhat	somewhat	ADV
inlawrev-3590	274	5	complicated	complicated	ADJ
inlawrev-3590	274	6	.	.	PUNCT
inlawrev-3590	275	1	there	there	PRON
inlawrev-3590	275	2	can	can	AUX
inlawrev-3590	275	3	be	be	AUX
inlawrev-3590	275	4	no	no	DET
inlawrev-3590	275	5	question	question	NOUN
inlawrev-3590	275	6	that	that	SCONJ
inlawrev-3590	275	7	conditions	condition	NOUN
inlawrev-3590	275	8	of	of	ADP
inlawrev-3590	275	9	asymmetric	asymmetric	ADJ
inlawrev-3590	275	10	information	information	NOUN
inlawrev-3590	275	11	reduce	reduce	VERB
inlawrev-3590	275	12	the	the	DET
inlawrev-3590	275	13	efficiency	efficiency	NOUN
inlawrev-3590	275	14	of	of	ADP
inlawrev-3590	275	15	markets	market	NOUN
inlawrev-3590	275	16	relative	relative	ADJ
inlawrev-3590	275	17	to	to	ADP
inlawrev-3590	275	18	a	a	DET
inlawrev-3590	275	19	world	world	NOUN
inlawrev-3590	275	20	of	of	ADP
inlawrev-3590	275	21	perfect	perfect	ADJ
inlawrev-3590	275	22	,	,	PUNCT
inlawrev-3590	275	23	symmetric	symmetric	ADJ
inlawrev-3590	275	24	information	information	NOUN
inlawrev-3590	275	25	.	.	PUNCT
inlawrev-3590	276	1	to	to	PART
inlawrev-3590	276	2	call	call	VERB
inlawrev-3590	276	3	this	this	PRON
inlawrev-3590	276	4	a	a	DET
inlawrev-3590	276	5	"	"	PUNCT
inlawrev-3590	276	6	market	market	NOUN
inlawrev-3590	276	7	failure	failure	NOUN
inlawrev-3590	276	8	,	,	PUNCT
inlawrev-3590	276	9	"	"	PUNCT
inlawrev-3590	276	10	however	however	ADV
inlawrev-3590	276	11	,	,	PUNCT
inlawrev-3590	276	12	is	be	AUX
inlawrev-3590	276	13	to	to	PART
inlawrev-3590	276	14	indulge	indulge	VERB
inlawrev-3590	276	15	the	the	DET
inlawrev-3590	276	16	nirvana	nirvana	PROPN
inlawrev-3590	276	17	fallacy	fallacy	NOUN
inlawrev-3590	276	18	.	.	PUNCT
inlawrev-3590	277	1	governments	government	NOUN
inlawrev-3590	277	2	are	be	AUX
inlawrev-3590	277	3	in	in	ADP
inlawrev-3590	277	4	no	no	DET
inlawrev-3590	277	5	better	well	ADJ
inlawrev-3590	277	6	position	position	NOUN
inlawrev-3590	277	7	than	than	ADP
inlawrev-3590	277	8	the	the	DET
inlawrev-3590	277	9	capital	capital	NOUN
inlawrev-3590	277	10	markets	market	NOUN
inlawrev-3590	277	11	to	to	PART
inlawrev-3590	277	12	judge	judge	VERB
inlawrev-3590	277	13	the	the	DET
inlawrev-3590	277	14	riskiness	riskiness	NOUN
inlawrev-3590	277	15	of	of	ADP
inlawrev-3590	277	16	placing	place	VERB
inlawrev-3590	277	17	capital	capital	NOUN
inlawrev-3590	277	18	at	at	ADP
inlawrev-3590	277	19	risk	risk	NOUN
inlawrev-3590	277	20	in	in	ADP
inlawrev-3590	277	21	insurance	insurance	NOUN
inlawrev-3590	277	22	markets	market	NOUN
inlawrev-3590	277	23	.	.	PUNCT
inlawrev-3590	278	1	indeed	indeed	ADV
inlawrev-3590	278	2	,	,	PUNCT
inlawrev-3590	278	3	for	for	ADP
inlawrev-3590	278	4	reasons	reason	NOUN
inlawrev-3590	278	5	that	that	PRON
inlawrev-3590	278	6	we	we	PRON
inlawrev-3590	278	7	will	will	AUX
inlawrev-3590	278	8	elaborate	elaborate	VERB
inlawrev-3590	278	9	in	in	ADP
inlawrev-3590	278	10	the	the	DET
inlawrev-3590	278	11	next	next	ADJ
inlawrev-3590	278	12	section	section	NOUN
inlawrev-3590	278	13	,	,	PUNCT
inlawrev-3590	278	14	there	there	PRON
inlawrev-3590	278	15	is	be	VERB
inlawrev-3590	278	16	good	good	ADJ
inlawrev-3590	278	17	reason	reason	NOUN
inlawrev-3590	278	18	to	to	PART
inlawrev-3590	278	19	think	think	VERB
inlawrev-3590	278	20	that	that	SCONJ
inlawrev-3590	278	21	when	when	SCONJ
inlawrev-3590	278	22	the	the	DET
inlawrev-3590	278	23	government	government	NOUN
inlawrev-3590	278	24	acts	act	VERB
inlawrev-3590	278	25	as	as	ADP
inlawrev-3590	278	26	an	an	DET
inlawrev-3590	278	27	insurer	insurer	NOUN
inlawrev-3590	278	28	,	,	PUNCT
inlawrev-3590	278	29	its	its	PRON
inlawrev-3590	278	30	risk	risk	NOUN
inlawrev-3590	278	31	portfolio	portfolio	NOUN
inlawrev-3590	278	32	will	will	AUX
inlawrev-3590	278	33	be	be	AUX
inlawrev-3590	278	34	inferior	inferior	ADJ
inlawrev-3590	278	35	to	to	ADP
inlawrev-3590	278	36	that	that	PRON
inlawrev-3590	278	37	of	of	ADP
inlawrev-3590	278	38	the	the	DET
inlawrev-3590	278	39	private	private	ADJ
inlawrev-3590	278	40	sector	sector	NOUN
inlawrev-3590	278	41	.	.	PUNCT
inlawrev-3590	279	1	government	government	NOUN
inlawrev-3590	279	2	reinsurance	reinsurance	NOUN
inlawrev-3590	279	3	,	,	PUNCT
inlawrev-3590	279	4	therefore	therefore	ADV
inlawrev-3590	279	5	,	,	PUNCT
inlawrev-3590	279	6	would	would	AUX
inlawrev-3590	279	7	likely	likely	ADV
inlawrev-3590	279	8	be	be	AUX
inlawrev-3590	279	9	more	more	ADV
inlawrev-3590	279	10	threatened	threaten	VERB
inlawrev-3590	279	11	with	with	ADP
inlawrev-3590	279	12	adverse	adverse	ADJ
inlawrev-3590	279	13	selection	selection	NOUN
inlawrev-3590	279	14	than	than	ADP
inlawrev-3590	279	15	private	private	ADJ
inlawrev-3590	279	16	reinsurance	reinsurance	NOUN
inlawrev-3590	279	17	.	.	PUNCT
inlawrev-3590	280	1	we	we	PRON
inlawrev-3590	280	2	can	can	AUX
inlawrev-3590	280	3	think	think	VERB
inlawrev-3590	280	4	of	of	ADP
inlawrev-3590	280	5	no	no	DET
inlawrev-3590	280	6	other	other	ADJ
inlawrev-3590	280	7	policy	policy	NOUN
inlawrev-3590	280	8	instruments	instrument	NOUN
inlawrev-3590	280	9	that	that	PRON
inlawrev-3590	280	10	government	government	NOUN
inlawrev-3590	280	11	might	might	AUX
inlawrev-3590	280	12	constructively	constructively	ADV
inlawrev-3590	280	13	employ	employ	VERB
inlawrev-3590	280	14	to	to	PART
inlawrev-3590	280	15	ameliorate	ameliorate	VERB
inlawrev-3590	280	16	the	the	DET
inlawrev-3590	280	17	problem	problem	NOUN
inlawrev-3590	280	18	of	of	ADP
inlawrev-3590	280	19	asymmetric	asymmetric	ADJ
inlawrev-3590	280	20	information	information	NOUN
inlawrev-3590	280	21	directly	directly	ADV
inlawrev-3590	280	22	.	.	PUNCT
inlawrev-3590	281	1	ifan	ifan	PROPN
inlawrev-3590	281	2	insurance	insurance	NOUN
inlawrev-3590	281	3	market	market	NOUN
inlawrev-3590	281	4	is	be	AUX
inlawrev-3590	281	5	suffering	suffer	VERB
inlawrev-3590	281	6	from	from	ADP
inlawrev-3590	281	7	unraveling	unravel	VERB
inlawrev-3590	281	8	due	due	ADP
inlawrev-3590	281	9	to	to	ADP
inlawrev-3590	281	10	adverse	adverse	ADJ
inlawrev-3590	281	11	selection	selection	NOUN
inlawrev-3590	281	12	,	,	PUNCT
inlawrev-3590	281	13	however	however	ADV
inlawrev-3590	281	14	,	,	PUNCT
inlawrev-3590	281	15	government	government	NOUN
inlawrev-3590	281	16	may	may	AUX
inlawrev-3590	281	17	improve	improve	VERB
inlawrev-3590	281	18	matters	matter	NOUN
inlawrev-3590	281	19	by	by	ADP
inlawrev-3590	281	20	making	make	VERB
inlawrev-3590	281	21	insurance	insurance	NOUN
inlawrev-3590	281	22	coverage	coverage	NOUN
inlawrev-3590	281	23	mandatory	mandatory	ADJ
inlawrev-3590	281	24	.	.	PUNCT
inlawrev-3590	282	1	in	in	ADP
inlawrev-3590	282	2	theory	theory	NOUN
inlawrev-3590	282	3	,	,	PUNCT
inlawrev-3590	282	4	the	the	DET
inlawrev-3590	282	5	same	same	ADJ
inlawrev-3590	282	6	possibility	possibility	NOUN
inlawrev-3590	282	7	seemingly	seemingly	ADV
inlawrev-3590	282	8	exists	exist	VERB
inlawrev-3590	282	9	for	for	ADP
inlawrev-3590	282	10	reinsurance	reinsurance	NOUN
inlawrev-3590	282	11	markets	market	NOUN
inlawrev-3590	282	12	.	.	PUNCT
inlawrev-3590	283	1	it	it	PRON
inlawrev-3590	283	2	is	be	AUX
inlawrev-3590	283	3	difficult	difficult	ADJ
inlawrev-3590	283	4	to	to	PART
inlawrev-3590	283	5	imagine	imagine	VERB
inlawrev-3590	283	6	how	how	SCONJ
inlawrev-3590	283	7	mandatory	mandatory	ADJ
inlawrev-3590	283	8	reinsurance	reinsurance	NOUN
inlawrev-3590	283	9	would	would	AUX
inlawrev-3590	283	10	be	be	AUX
inlawrev-3590	283	11	constructed	construct	VERB
inlawrev-3590	283	12	,	,	PUNCT
inlawrev-3590	283	13	and	and	CCONJ
inlawrev-3590	283	14	it	it	PRON
inlawrev-3590	283	15	is	be	AUX
inlawrev-3590	283	16	more	more	ADV
inlawrev-3590	283	17	difficult	difficult	ADJ
inlawrev-3590	283	18	to	to	PART
inlawrev-3590	283	19	imagine	imagine	VERB
inlawrev-3590	283	20	how	how	SCONJ
inlawrev-3590	283	21	governmentwould	governmentwould	AUX
inlawrev-3590	283	22	determine	determine	VERB
inlawrev-3590	283	23	when	when	SCONJ
inlawrev-3590	283	24	a	a	DET
inlawrev-3590	283	25	dearth	dearth	NOUN
inlawrev-3590	283	26	of	of	ADP
inlawrev-3590	283	27	reinsurance	reinsurance	NOUN
inlawrev-3590	283	28	(	(	PUNCT
inlawrev-3590	283	29	or	or	CCONJ
inlawrev-3590	283	30	a	a	DET
inlawrev-3590	283	31	period	period	NOUN
inlawrev-3590	283	32	where	where	SCONJ
inlawrev-3590	283	33	its	its	PRON
inlawrev-3590	283	34	price	price	NOUN
inlawrev-3590	283	35	seems	seem	VERB
inlawrev-3590	283	36	high	high	ADJ
inlawrev-3590	283	37	)	)	PUNCT
inlawrev-3590	283	38	could	could	AUX
inlawrev-3590	283	39	be	be	AUX
inlawrev-3590	283	40	addressed	address	VERB
inlawrev-3590	283	41	through	through	ADP
inlawrev-3590	283	42	any	any	DET
inlawrev-3590	283	43	policy	policy	NOUN
inlawrev-3590	283	44	of	of	ADP
inlawrev-3590	283	45	mandatory	mandatory	ADJ
inlawrev-3590	283	46	reinsurance	reinsurance	NOUN
inlawrev-3590	283	47	.	.	PUNCT
inlawrev-3590	284	1	finally	finally	ADV
inlawrev-3590	284	2	,	,	PUNCT
inlawrev-3590	284	3	when	when	SCONJ
inlawrev-3590	284	4	the	the	DET
inlawrev-3590	284	5	adverse	adverse	ADJ
inlawrev-3590	284	6	selection	selection	NOUN
inlawrev-3590	284	7	problem	problem	NOUN
inlawrev-3590	284	8	is	be	AUX
inlawrev-3590	284	9	only	only	ADV
inlawrev-3590	284	10	temporarily	temporarily	ADV
inlawrev-3590	284	11	acute	acute	ADJ
inlawrev-3590	284	12	following	follow	VERB
inlawrev-3590	284	13	a	a	DET
inlawrev-3590	284	14	shock	shock	NOUN
inlawrev-3590	284	15	to	to	ADP
inlawrev-3590	284	16	the	the	DET
inlawrev-3590	284	17	market	market	NOUN
inlawrev-3590	284	18	,	,	PUNCT
inlawrev-3590	284	19	the	the	DET
inlawrev-3590	284	20	danger	danger	NOUN
inlawrev-3590	284	21	arises	arise	VERB
inlawrev-3590	284	22	that	that	SCONJ
inlawrev-3590	284	23	any	any	DET
inlawrev-3590	284	24	government	government	NOUN
inlawrev-3590	284	25	policies	policy	NOUN
inlawrev-3590	284	26	along	along	ADP
inlawrev-3590	284	27	these	these	DET
inlawrev-3590	284	28	lines	line	NOUN
inlawrev-3590	284	29	would	would	AUX
inlawrev-3590	284	30	be	be	AUX
inlawrev-3590	284	31	outmoded	outmode	VERB
inlawrev-3590	284	32	by	by	ADP
inlawrev-3590	284	33	the	the	DET
inlawrev-3590	284	34	time	time	NOUN
inlawrev-3590	284	35	they	they	PRON
inlawrev-3590	284	36	were	be	AUX
inlawrev-3590	284	37	implemented	implement	VERB
inlawrev-3590	284	38	.	.	PUNCT
inlawrev-3590	285	1	one	one	PRON
inlawrev-3590	285	2	might	might	AUX
inlawrev-3590	285	3	also	also	ADV
inlawrev-3590	285	4	argue	argue	VERB
inlawrev-3590	285	5	for	for	ADP
inlawrev-3590	285	6	government	government	NOUN
inlawrev-3590	285	7	participation	participation	NOUN
inlawrev-3590	285	8	because	because	SCONJ
inlawrev-3590	285	9	private	private	ADJ
inlawrev-3590	285	10	reinsurers	reinsurer	NOUN
inlawrev-3590	285	11	facing	face	VERB
inlawrev-3590	285	12	capacity	capacity	NOUN
inlawrev-3590	285	13	constraints	constraint	NOUN
inlawrev-3590	285	14	will	will	AUX
inlawrev-3590	285	15	charge	charge	VERB
inlawrev-3590	285	16	substantial	substantial	ADJ
inlawrev-3590	285	17	risk	risk	NOUN
inlawrev-3590	285	18	premiums	premium	NOUN
inlawrev-3590	285	19	to	to	PART
inlawrev-3590	285	20	write	write	VERB
inlawrev-3590	285	21	coverage	coverage	NOUN
inlawrev-3590	285	22	that	that	PRON
inlawrev-3590	285	23	may	may	AUX
inlawrev-3590	285	24	result	result	VERB
inlawrev-3590	285	25	in	in	ADP
inlawrev-3590	285	26	large	large	ADJ
inlawrev-3590	285	27	losses	loss	NOUN
inlawrev-3590	285	28	.	.	PUNCT
inlawrev-3590	286	1	these	these	DET
inlawrev-3590	286	2	risk	risk	NOUN
inlawrev-3590	286	3	premiums	premium	NOUN
inlawrev-3590	286	4	relate	relate	VERB
inlawrev-3590	286	5	to	to	ADP
inlawrev-3590	286	6	the	the	DET
inlawrev-3590	286	7	concavity	concavity	NOUN
inlawrev-3590	286	8	of	of	ADP
inlawrev-3590	286	9	the	the	DET
inlawrev-3590	286	10	profit	profit	NOUN
inlawrev-3590	286	11	function	function	NOUN
inlawrev-3590	286	12	with	with	ADP
inlawrev-3590	286	13	respect	respect	NOUN
inlawrev-3590	286	14	to	to	ADP
inlawrev-3590	286	15	internal	internal	ADJ
inlawrev-3590	286	16	capital	capital	NOUN
inlawrev-3590	286	17	,	,	PUNCT
inlawrev-3590	286	18	which	which	PRON
inlawrev-3590	286	19	derives	derive	VERB
inlawrev-3590	286	20	from	from	ADP
inlawrev-3590	286	21	the	the	DET
inlawrev-3590	286	22	high	high	ADJ
inlawrev-3590	286	23	cost	cost	NOUN
inlawrev-3590	286	24	of	of	ADP
inlawrev-3590	286	25	external	external	ADJ
inlawrev-3590	286	26	capital	capital	NOUN
inlawrev-3590	286	27	(	(	PUNCT
inlawrev-3590	286	28	and	and	CCONJ
inlawrev-3590	286	29	perhaps	perhaps	ADV
inlawrev-3590	286	30	bankruptcy	bankruptcy	NOUN
inlawrev-3590	286	31	costs	cost	NOUN
inlawrev-3590	286	32	)	)	PUNCT
inlawrev-3590	286	33	,	,	PUNCT
inlawrev-3590	286	34	as	as	SCONJ
inlawrev-3590	286	35	previously	previously	ADV
inlawrev-3590	286	36	noted	note	VERB
inlawrev-3590	286	37	.	.	PUNCT
inlawrev-3590	287	1	arguably	arguably	ADV
inlawrev-3590	287	2	,	,	PUNCT
inlawrev-3590	287	3	government	government	NOUN
inlawrev-3590	287	4	does	do	AUX
inlawrev-3590	287	5	not	not	PART
inlawrev-3590	287	6	face	face	VERB
inlawrev-3590	287	7	these	these	DET
inlawrev-3590	287	8	problems	problem	NOUN
inlawrev-3590	287	9	.	.	PUNCT
inlawrev-3590	288	1	in	in	ADP
inlawrev-3590	288	2	the	the	DET
inlawrev-3590	288	3	event	event	NOUN
inlawrev-3590	288	4	of	of	ADP
inlawrev-3590	288	5	a	a	DET
inlawrev-3590	288	6	large	large	ADJ
inlawrev-3590	288	7	,	,	PUNCT
inlawrev-3590	288	8	unanticipated	unanticipated	ADJ
inlawrev-3590	288	9	call	call	NOUN
inlawrev-3590	288	10	on	on	ADP
inlawrev-3590	288	11	the	the	DET
inlawrev-3590	288	12	resources	resource	NOUN
inlawrev-3590	288	13	of	of	ADP
inlawrev-3590	288	14	the	the	DET
inlawrev-3590	288	15	government	government	NOUN
inlawrev-3590	288	16	as	as	ADP
inlawrev-3590	288	17	reinsurer	reinsurer	NOUN
inlawrev-3590	288	18	,	,	PUNCT
inlawrev-3590	288	19	the	the	DET
inlawrev-3590	288	20	government	government	NOUN
inlawrev-3590	288	21	can	can	AUX
inlawrev-3590	288	22	still	still	ADV
inlawrev-3590	288	23	borrow	borrow	VERB
inlawrev-3590	288	24	in	in	ADP
inlawrev-3590	288	25	the	the	DET
inlawrev-3590	288	26	capital	capital	NOUN
inlawrev-3590	288	27	markets	market	NOUN
inlawrev-3590	288	28	at	at	ADP
inlawrev-3590	288	29	an	an	DET
inlawrev-3590	288	30	attractive	attractive	ADJ
inlawrev-3590	288	31	rate	rate	NOUN
inlawrev-3590	288	32	(	(	PUNCT
inlawrev-3590	288	33	at	at	ADP
inlawrev-3590	288	34	least	least	ADJ
inlawrev-3590	288	35	the	the	DET
inlawrev-3590	288	36	major	major	ADJ
inlawrev-3590	288	37	western	western	ADJ
inlawrev-3590	288	38	governments	government	NOUN
inlawrev-3590	288	39	)	)	PUNCT
inlawrev-3590	288	40	.	.	PUNCT
inlawrev-3590	289	1	it	it	PRON
inlawrev-3590	289	2	need	need	AUX
inlawrev-3590	289	3	not	not	PART
inlawrev-3590	289	4	pay	pay	VERB
inlawrev-3590	289	5	the	the	DET
inlawrev-3590	289	6	sort	sort	NOUN
inlawrev-3590	289	7	of	of	ADP
inlawrev-3590	289	8	premium	premium	NOUN
inlawrev-3590	289	9	that	that	PRON
inlawrev-3590	289	10	private	private	ADJ
inlawrev-3590	289	11	insurers	insurer	NOUN
inlawrev-3590	289	12	must	must	AUX
inlawrev-3590	289	13	pay	pay	VERB
inlawrev-3590	289	14	to	to	PART
inlawrev-3590	289	15	attract	attract	VERB
inlawrev-3590	289	16	external	external	ADJ
inlawrev-3590	289	17	capital	capital	NOUN
inlawrev-3590	289	18	,	,	PUNCT
inlawrev-3590	289	19	and	and	CCONJ
inlawrev-3590	289	20	it	it	PRON
inlawrev-3590	289	21	need	need	AUX
inlawrev-3590	289	22	not	not	PART
inlawrev-3590	289	23	worry	worry	VERB
inlawrev-3590	289	24	about	about	ADP
inlawrev-3590	289	25	costs	cost	NOUN
inlawrev-3590	289	26	offinancial	offinancial	ADJ
inlawrev-3590	289	27	distress	distress	NOUN
inlawrev-3590	289	28	.	.	PUNCT
inlawrev-3590	290	1	thus	thus	ADV
inlawrev-3590	290	2	,	,	PUNCT
inlawrev-3590	290	3	the	the	DET
inlawrev-3590	290	4	argument	argument	NOUN
inlawrev-3590	290	5	might	might	AUX
inlawrev-3590	290	6	run	run	VERB
inlawrev-3590	290	7	,	,	PUNCT
inlawrev-3590	290	8	in	in	ADP
inlawrev-3590	290	9	normal	normal	ADJ
inlawrev-3590	290	10	times	time	NOUN
inlawrev-3590	290	11	when	when	SCONJ
inlawrev-3590	290	12	capacity	capacity	NOUN
inlawrev-3590	290	13	constraints	constraint	NOUN
inlawrev-3590	290	14	are	be	AUX
inlawrev-3590	290	15	not	not	PART
inlawrev-3590	290	16	terribly	terribly	ADV
inlawrev-3590	290	17	important	important	ADJ
inlawrev-3590	290	18	for	for	ADP
inlawrev-3590	290	19	private	private	ADJ
inlawrev-3590	290	20	insurers	insurer	NOUN
inlawrev-3590	290	21	,	,	PUNCT
inlawrev-3590	290	22	government	government	NOUN
inlawrev-3590	290	23	should	should	AUX
inlawrev-3590	290	24	not	not	PART
inlawrev-3590	290	25	act	act	VERB
inlawrev-3590	290	26	as	as	ADP
inlawrev-3590	290	27	an	an	DET
inlawrev-3590	290	28	insurer	insurer	NOUN
inlawrev-3590	290	29	because	because	SCONJ
inlawrev-3590	290	30	the	the	DET
inlawrev-3590	290	31	private	private	ADJ
inlawrev-3590	290	32	insurers	insurer	NOUN
inlawrev-3590	290	33	'	'	PART
inlawrev-3590	290	34	small	small	ADJ
inlawrev-3590	290	35	risk	risk	NOUN
inlawrev-3590	290	36	premiums	premium	NOUN
inlawrev-3590	290	37	and	and	CCONJ
inlawrev-3590	290	38	their	their	PRON
inlawrev-3590	290	39	superior	superior	ADJ
inlawrev-3590	290	40	ability	ability	NOUN
inlawrev-3590	290	41	to	to	PART
inlawrev-3590	290	42	manage	manage	VERB
inlawrev-3590	290	43	and	and	CCONJ
inlawrev-3590	290	44	administer	administer	NOUN
inlawrev-3590	290	45	risk	risk	NOUN
inlawrev-3590	290	46	surely	surely	ADV
inlawrev-3590	290	47	trumps	trump	VERB
inlawrev-3590	290	48	any	any	DET
inlawrev-3590	290	49	gains	gain	NOUN
inlawrev-3590	290	50	from	from	ADP
inlawrev-3590	290	51	shifting	shift	VERB
inlawrev-3590	290	52	risk	risk	NOUN
inlawrev-3590	290	53	to	to	ADP
inlawrev-3590	290	54	the	the	DET
inlawrev-3590	290	55	less	less	ADV
inlawrev-3590	290	56	risk	risk	NOUN
inlawrev-3590	290	57	averse	averse	ADJ
inlawrev-3590	290	58	government	government	NOUN
inlawrev-3590	290	59	.	.	PUNCT
inlawrev-3590	291	1	however	however	ADV
inlawrev-3590	291	2	,	,	PUNCT
inlawrev-3590	291	3	after	after	ADP
inlawrev-3590	291	4	a	a	DET
inlawrev-3590	291	5	large	large	ADJ
inlawrev-3590	291	6	shock	shock	NOUN
inlawrev-3590	291	7	that	that	PRON
inlawrev-3590	291	8	creates	create	VERB
inlawrev-3590	291	9	risk	risk	NOUN
inlawrev-3590	291	10	overhang	overhang	NOUN
inlawrev-3590	291	11	accompanied	accompany	VERB
inlawrev-3590	291	12	by	by	ADP
inlawrev-3590	291	13	large	large	ADJ
inlawrev-3590	291	14	risk	risk	NOUN
inlawrev-3590	291	15	premiums	premium	NOUN
inlawrev-3590	291	16	to	to	PART
inlawrev-3590	291	17	compensate	compensate	VERB
inlawrev-3590	291	18	private	private	ADJ
inlawrev-3590	291	19	insurers	insurer	NOUN
inlawrev-3590	291	20	for	for	ADP
inlawrev-3590	291	21	writing	write	VERB
inlawrev-3590	291	22	new	new	ADJ
inlawrev-3590	291	23	coverage	coverage	NOUN
inlawrev-3590	291	24	,	,	PUNCT
inlawrev-3590	291	25	the	the	DET
inlawrev-3590	291	26	government	government	NOUN
inlawrev-3590	291	27	has	have	VERB
inlawrev-3590	291	28	a	a	DET
inlawrev-3590	291	29	substantial	substantial	ADJ
inlawrev-3590	291	30	,	,	PUNCT
inlawrev-3590	291	31	albeit	albeit	SCONJ
inlawrev-3590	291	32	temporary	temporary	ADJ
inlawrev-3590	291	33	,	,	PUNCT
inlawrev-3590	291	34	advantage	advantage	NOUN
inlawrev-3590	291	35	in	in	ADP
inlawrev-3590	291	36	risk	risk	NOUN
inlawrev-3590	291	37	bearing	bearing	NOUN
inlawrev-3590	291	38	,	,	PUNCT
inlawrev-3590	291	39	and	and	CCONJ
inlawrev-3590	291	40	should	should	AUX
inlawrev-3590	291	41	enter	enter	VERB
inlawrev-3590	291	42	the	the	DET
inlawrev-3590	291	43	market	market	NOUN
inlawrev-3590	291	44	to	to	PART
inlawrev-3590	291	45	exploit	exploit	VERB
inlawrev-3590	291	46	it	it	PRON
inlawrev-3590	291	47	.	.	PUNCT
inlawrev-3590	292	1	the	the	DET
inlawrev-3590	292	2	difficulty	difficulty	NOUN
inlawrev-3590	292	3	with	with	ADP
inlawrev-3590	292	4	this	this	DET
inlawrev-3590	292	5	argument	argument	NOUN
inlawrev-3590	292	6	for	for	ADP
inlawrev-3590	292	7	government	government	NOUN
inlawrev-3590	292	8	involvement	involvement	NOUN
inlawrev-3590	292	9	is	be	AUX
inlawrev-3590	292	10	that	that	SCONJ
inlawrev-3590	292	11	460	460	NUM
inlawrev-3590	292	12	indiana	indiana	PROPN
inlawrev-3590	292	13	law	law	PROPN
inlawrev-3590	292	14	review	review	NOUN
inlawrev-3590	293	1	[	[	X
inlawrev-3590	293	2	vol	vol	NOUN
inlawrev-3590	293	3	.	.	PUNCT
inlawrev-3590	294	1	36:447	36:447	NUM
inlawrev-3590	294	2	practical	practical	ADJ
inlawrev-3590	294	3	considerations	consideration	NOUN
inlawrev-3590	294	4	may	may	AUX
inlawrev-3590	294	5	undermine	undermine	VERB
inlawrev-3590	294	6	any	any	DET
inlawrev-3590	294	7	gains	gain	NOUN
inlawrev-3590	294	8	from	from	ADP
inlawrev-3590	294	9	temporary	temporary	ADJ
inlawrev-3590	294	10	government	government	NOUN
inlawrev-3590	294	11	participation	participation	NOUN
inlawrev-3590	294	12	as	as	ADP
inlawrev-3590	294	13	an	an	DET
inlawrev-3590	294	14	insurer	insurer	NOUN
inlawrev-3590	294	15	or	or	CCONJ
inlawrev-3590	294	16	reinsurer	reinsurer	NOUN
inlawrev-3590	294	17	.	.	PUNCT
inlawrev-3590	295	1	the	the	DET
inlawrev-3590	295	2	risk	risk	NOUN
inlawrev-3590	295	3	overhang	overhang	NOUN
inlawrev-3590	295	4	problem	problem	NOUN
inlawrev-3590	295	5	abates	abate	VERB
inlawrev-3590	295	6	with	with	ADP
inlawrev-3590	295	7	time	time	NOUN
inlawrev-3590	295	8	,	,	PUNCT
inlawrev-3590	295	9	and	and	CCONJ
inlawrev-3590	295	10	may	may	AUX
inlawrev-3590	295	11	well	well	ADV
inlawrev-3590	295	12	diminish	diminish	VERB
inlawrev-3590	295	13	greatly	greatly	ADV
inlawrev-3590	295	14	before	before	SCONJ
inlawrev-3590	295	15	government	government	NOUN
inlawrev-3590	295	16	can	can	AUX
inlawrev-3590	295	17	act	act	VERB
inlawrev-3590	295	18	to	to	PART
inlawrev-3590	295	19	install	install	VERB
inlawrev-3590	295	20	a	a	DET
inlawrev-3590	295	21	sensible	sensible	ADJ
inlawrev-3590	295	22	program	program	NOUN
inlawrev-3590	295	23	.	.	PUNCT
inlawrev-3590	296	1	once	once	SCONJ
inlawrev-3590	296	2	the	the	DET
inlawrev-3590	296	3	government	government	NOUN
inlawrev-3590	296	4	program	program	NOUN
inlawrev-3590	296	5	is	be	AUX
inlawrev-3590	296	6	in	in	ADP
inlawrev-3590	296	7	place	place	NOUN
inlawrev-3590	296	8	,	,	PUNCT
inlawrev-3590	296	9	it	it	PRON
inlawrev-3590	296	10	may	may	AUX
inlawrev-3590	296	11	long	long	ADV
inlawrev-3590	296	12	outlive	outlive	VERB
inlawrev-3590	296	13	its	its	PRON
inlawrev-3590	296	14	usefulness	usefulness	NOUN
inlawrev-3590	296	15	.	.	PUNCT
inlawrev-3590	297	1	government	government	NOUN
inlawrev-3590	297	2	is	be	AUX
inlawrev-3590	297	3	unlikely	unlikely	ADJ
inlawrev-3590	297	4	to	to	PART
inlawrev-3590	297	5	set	set	VERB
inlawrev-3590	297	6	premiums	premium	NOUN
inlawrev-3590	297	7	in	in	ADP
inlawrev-3590	297	8	actuarially	actuarially	ADV
inlawrev-3590	297	9	sound	sound	ADJ
inlawrev-3590	297	10	fashion	fashion	NOUN
inlawrev-3590	297	11	,	,	PUNCT
inlawrev-3590	297	12	and	and	CCONJ
inlawrev-3590	297	13	political	political	ADJ
inlawrev-3590	297	14	pressures	pressure	NOUN
inlawrev-3590	297	15	for	for	ADP
inlawrev-3590	297	16	subsidies	subsidy	NOUN
inlawrev-3590	297	17	will	will	AUX
inlawrev-3590	297	18	be	be	AUX
inlawrev-3590	297	19	intense	intense	ADJ
inlawrev-3590	297	20	.	.	PUNCT
inlawrev-3590	298	1	once	once	ADV
inlawrev-3590	298	2	subsidized	subsidize	VERB
inlawrev-3590	298	3	insurance	insurance	NOUN
inlawrev-3590	298	4	is	be	AUX
inlawrev-3590	298	5	in	in	ADP
inlawrev-3590	298	6	place	place	NOUN
inlawrev-3590	298	7	,	,	PUNCT
inlawrev-3590	298	8	a	a	DET
inlawrev-3590	298	9	constituency	constituency	NOUN
inlawrev-3590	298	10	to	to	PART
inlawrev-3590	298	11	retain	retain	VERB
inlawrev-3590	298	12	it	it	PRON
inlawrev-3590	298	13	indefinitely	indefinitely	ADV
inlawrev-3590	298	14	will	will	AUX
inlawrev-3590	298	15	emerge	emerge	VERB
inlawrev-3590	298	16	,	,	PUNCT
inlawrev-3590	298	17	and	and	CCONJ
inlawrev-3590	298	18	a	a	DET
inlawrev-3590	298	19	considerable	considerable	ADJ
inlawrev-3590	298	20	risk	risk	NOUN
inlawrev-3590	298	21	arises	arise	VERB
inlawrev-3590	298	22	that	that	SCONJ
inlawrev-3590	298	23	poorly	poorly	ADV
inlawrev-3590	298	24	managed	manage	VERB
inlawrev-3590	298	25	,	,	PUNCT
inlawrev-3590	298	26	but	but	CCONJ
inlawrev-3590	298	27	inexpensive	inexpensive	ADJ
inlawrev-3590	298	28	,	,	PUNCT
inlawrev-3590	298	29	government	government	NOUN
inlawrev-3590	298	30	insurance	insurance	NOUN
inlawrev-3590	298	31	will	will	AUX
inlawrev-3590	298	32	crowd	crowd	VERB
inlawrev-3590	298	33	out	out	ADP
inlawrev-3590	298	34	efficiently	efficiently	ADV
inlawrev-3590	298	35	structured	structured	ADJ
inlawrev-3590	298	36	private	private	ADJ
inlawrev-3590	298	37	insurance	insurance	NOUN
inlawrev-3590	298	38	.	.	PUNCT
inlawrev-3590	299	1	in	in	ADP
inlawrev-3590	299	2	sum	sum	NOUN
inlawrev-3590	299	3	,	,	PUNCT
inlawrev-3590	299	4	we	we	PRON
inlawrev-3590	299	5	think	think	VERB
inlawrev-3590	299	6	it	it	PRON
inlawrev-3590	299	7	unlikely	unlikely	ADJ
inlawrev-3590	299	8	that	that	SCONJ
inlawrev-3590	299	9	government	government	NOUN
inlawrev-3590	299	10	has	have	VERB
inlawrev-3590	299	11	much	much	ADJ
inlawrev-3590	299	12	ofa	ofa	PROPN
inlawrev-3590	299	13	constructive	constructive	ADJ
inlawrev-3590	299	14	role	role	NOUN
inlawrev-3590	299	15	to	to	PART
inlawrev-3590	299	16	play	play	VERB
inlawrev-3590	299	17	as	as	ADP
inlawrev-3590	299	18	an	an	DET
inlawrev-3590	299	19	insurer	insurer	NOUN
inlawrev-3590	299	20	in	in	ADP
inlawrev-3590	299	21	addressing	address	VERB
inlawrev-3590	299	22	the	the	DET
inlawrev-3590	299	23	problems	problem	NOUN
inlawrev-3590	299	24	associated	associate	VERB
inlawrev-3590	299	25	with	with	ADP
inlawrev-3590	299	26	temporary	temporary	ADJ
inlawrev-3590	299	27	insurance	insurance	NOUN
inlawrev-3590	299	28	"	"	PUNCT
inlawrev-3590	299	29	crises	crisis	NOUN
inlawrev-3590	299	30	,	,	PUNCT
inlawrev-3590	299	31	"	"	PUNCT
inlawrev-3590	299	32	whether	whether	SCONJ
inlawrev-3590	299	33	in	in	ADP
inlawrev-3590	299	34	terrorism	terrorism	NOUN
inlawrev-3590	299	35	coverage	coverage	NOUN
inlawrev-3590	299	36	or	or	CCONJ
inlawrev-3590	299	37	in	in	ADP
inlawrev-3590	299	38	some	some	DET
inlawrev-3590	299	39	other	other	ADJ
inlawrev-3590	299	40	line	line	NOUN
inlawrev-3590	299	41	.	.	PUNCT
inlawrev-3590	300	1	in	in	ADP
inlawrev-3590	300	2	offering	offer	VERB
inlawrev-3590	300	3	this	this	DET
inlawrev-3590	300	4	conclusion	conclusion	NOUN
inlawrev-3590	300	5	,	,	PUNCT
inlawrev-3590	300	6	we	we	PRON
inlawrev-3590	300	7	stipulate	stipulate	VERB
inlawrev-3590	300	8	that	that	SCONJ
inlawrev-3590	300	9	some	some	DET
inlawrev-3590	300	10	sort	sort	NOUN
inlawrev-3590	300	11	ofresponse	ofresponse	NOUN
inlawrev-3590	300	12	was	be	AUX
inlawrev-3590	300	13	appropriate	appropriate	ADJ
inlawrev-3590	300	14	to	to	PART
inlawrev-3590	300	15	avoid	avoid	VERB
inlawrev-3590	300	16	a	a	DET
inlawrev-3590	300	17	regulatory	regulatory	ADJ
inlawrev-3590	300	18	shutdown	shutdown	NOUN
inlawrev-3590	300	19	of	of	ADP
inlawrev-3590	300	20	the	the	DET
inlawrev-3590	300	21	airlines	airline	NOUN
inlawrev-3590	300	22	after	after	ADP
inlawrev-3590	300	23	september	september	PROPN
inlawrev-3590	300	24	11	11	NUM
inlawrev-3590	300	25	,	,	PUNCT
inlawrev-3590	300	26	and	and	CCONJ
inlawrev-3590	300	27	that	that	SCONJ
inlawrev-3590	300	28	government	government	NOUN
inlawrev-3590	300	29	provision	provision	NOUN
inlawrev-3590	300	30	ofground	ofground	ADJ
inlawrev-3590	300	31	damage	damage	NOUN
inlawrev-3590	300	32	insurance	insurance	NOUN
inlawrev-3590	300	33	on	on	ADP
inlawrev-3590	300	34	a	a	DET
inlawrev-3590	300	35	temporary	temporary	ADJ
inlawrev-3590	300	36	basis	basis	NOUN
inlawrev-3590	300	37	appears	appear	VERB
inlawrev-3590	300	38	to	to	PART
inlawrev-3590	300	39	have	have	AUX
inlawrev-3590	300	40	been	be	AUX
inlawrev-3590	300	41	a	a	DET
inlawrev-3590	300	42	tolerable	tolerable	ADJ
inlawrev-3590	300	43	response	response	NOUN
inlawrev-3590	300	44	initially	initially	ADV
inlawrev-3590	300	45	.	.	PUNCT
inlawrev-3590	301	1	the	the	DET
inlawrev-3590	301	2	months	month	NOUN
inlawrev-3590	301	3	to	to	PART
inlawrev-3590	301	4	come	come	VERB
inlawrev-3590	301	5	should	should	AUX
inlawrev-3590	301	6	reveal	reveal	VERB
inlawrev-3590	301	7	whether	whether	SCONJ
inlawrev-3590	301	8	the	the	DET
inlawrev-3590	301	9	government	government	NOUN
inlawrev-3590	301	10	can	can	AUX
inlawrev-3590	301	11	resist	resist	VERB
inlawrev-3590	301	12	airline	airline	NOUN
inlawrev-3590	301	13	industry	industry	NOUN
inlawrev-3590	301	14	pressure	pressure	NOUN
inlawrev-3590	301	15	for	for	ADP
inlawrev-3590	301	16	long	long	ADJ
inlawrev-3590	301	17	-	-	PUNCT
inlawrev-3590	301	18	term	term	NOUN
inlawrev-3590	301	19	subsidization	subsidization	NOUN
inlawrev-3590	301	20	of	of	ADP
inlawrev-3590	301	21	this	this	DET
inlawrev-3590	301	22	coverage	coverage	NOUN
inlawrev-3590	301	23	.	.	PUNCT
inlawrev-3590	302	1	we	we	PRON
inlawrev-3590	302	2	fear	fear	VERB
inlawrev-3590	302	3	that	that	SCONJ
inlawrev-3590	302	4	if	if	SCONJ
inlawrev-3590	302	5	the	the	DET
inlawrev-3590	302	6	government	government	NOUN
inlawrev-3590	302	7	leaps	leap	VERB
inlawrev-3590	302	8	into	into	ADP
inlawrev-3590	302	9	the	the	DET
inlawrev-3590	302	10	business	business	NOUN
inlawrev-3590	302	11	of	of	ADP
inlawrev-3590	302	12	providing	provide	VERB
inlawrev-3590	302	13	terrorism	terrorism	NOUN
inlawrev-3590	302	14	insurance	insurance	NOUN
inlawrev-3590	302	15	because	because	SCONJ
inlawrev-3590	302	16	of	of	ADP
inlawrev-3590	302	17	the	the	DET
inlawrev-3590	302	18	risk	risk	NOUN
inlawrev-3590	302	19	overhang	overhang	NOUN
inlawrev-3590	302	20	in	in	ADP
inlawrev-3590	302	21	the	the	DET
inlawrev-3590	302	22	market	market	NOUN
inlawrev-3590	302	23	,	,	PUNCT
inlawrev-3590	302	24	it	it	PRON
inlawrev-3590	302	25	could	could	AUX
inlawrev-3590	302	26	create	create	VERB
inlawrev-3590	302	27	long	long	ADJ
inlawrev-3590	302	28	-	-	PUNCT
inlawrev-3590	302	29	term	term	NOUN
inlawrev-3590	302	30	costs	cost	NOUN
inlawrev-3590	302	31	that	that	PRON
inlawrev-3590	302	32	would	would	AUX
inlawrev-3590	302	33	outweigh	outweigh	VERB
inlawrev-3590	302	34	any	any	DET
inlawrev-3590	302	35	short	short	ADJ
inlawrev-3590	302	36	-	-	PUNCT
inlawrev-3590	302	37	term	term	NOUN
inlawrev-3590	302	38	gains	gain	NOUN
inlawrev-3590	302	39	.	.	PUNCT
inlawrev-3590	303	1	a	a	DET
inlawrev-3590	303	2	mix	mix	NOUN
inlawrev-3590	303	3	of	of	ADP
inlawrev-3590	303	4	inertia	inertia	NOUN
inlawrev-3590	303	5	and	and	CCONJ
inlawrev-3590	303	6	political	political	ADJ
inlawrev-3590	303	7	pressures	pressure	NOUN
inlawrev-3590	303	8	make	make	VERB
inlawrev-3590	303	9	it	it	PRON
inlawrev-3590	303	10	unlikely	unlikely	ADJ
inlawrev-3590	303	11	that	that	SCONJ
inlawrev-3590	303	12	the	the	DET
inlawrev-3590	303	13	government	government	NOUN
inlawrev-3590	303	14	will	will	AUX
inlawrev-3590	303	15	respond	respond	VERB
inlawrev-3590	303	16	properly	properly	ADV
inlawrev-3590	303	17	,	,	PUNCT
inlawrev-3590	303	18	and	and	CCONJ
inlawrev-3590	303	19	in	in	ADP
inlawrev-3590	303	20	an	an	DET
inlawrev-3590	303	21	appropriately	appropriately	ADV
inlawrev-3590	303	22	transitory	transitory	ADJ
inlawrev-3590	303	23	fashion	fashion	NOUN
inlawrev-3590	303	24	,	,	PUNCT
inlawrev-3590	303	25	to	to	ADP
inlawrev-3590	303	26	these	these	DET
inlawrev-3590	303	27	market	market	NOUN
inlawrev-3590	303	28	disruptions	disruption	NOUN
inlawrev-3590	303	29	that	that	PRON
inlawrev-3590	303	30	history	history	NOUN
inlawrev-3590	303	31	suggests	suggest	VERB
inlawrev-3590	303	32	will	will	AUX
inlawrev-3590	303	33	resolve	resolve	VERB
inlawrev-3590	303	34	on	on	ADP
inlawrev-3590	303	35	their	their	PRON
inlawrev-3590	303	36	own	own	ADJ
inlawrev-3590	303	37	.	.	PUNCT
inlawrev-3590	304	1	b	b	X
inlawrev-3590	304	2	,	,	PUNCT
inlawrev-3590	304	3	long	long	ADJ
inlawrev-3590	304	4	term	term	NOUN
inlawrev-3590	304	5	issues	issue	NOUN
inlawrev-3590	304	6	it	it	PRON
inlawrev-3590	304	7	remains	remain	VERB
inlawrev-3590	304	8	to	to	PART
inlawrev-3590	304	9	consider	consider	VERB
inlawrev-3590	304	10	whether	whether	SCONJ
inlawrev-3590	304	11	government	government	NOUN
inlawrev-3590	304	12	has	have	VERB
inlawrev-3590	304	13	some	some	DET
inlawrev-3590	304	14	role	role	NOUN
inlawrev-3590	304	15	to	to	PART
inlawrev-3590	304	16	play	play	VERB
inlawrev-3590	304	17	in	in	ADP
inlawrev-3590	304	18	the	the	DET
inlawrev-3590	304	19	long	long	ADJ
inlawrev-3590	304	20	term	term	NOUN
inlawrev-3590	304	21	.	.	PUNCT
inlawrev-3590	305	1	thus	thus	ADV
inlawrev-3590	305	2	,	,	PUNCT
inlawrev-3590	305	3	imagine	imagine	VERB
inlawrev-3590	305	4	a	a	DET
inlawrev-3590	305	5	time	time	NOUN
inlawrev-3590	305	6	in	in	ADP
inlawrev-3590	305	7	the	the	DET
inlawrev-3590	305	8	not	not	PART
inlawrev-3590	305	9	too	too	ADV
inlawrev-3590	305	10	distant	distant	ADJ
inlawrev-3590	305	11	future	future	NOUN
inlawrev-3590	305	12	when	when	SCONJ
inlawrev-3590	305	13	insurers	insurer	NOUN
inlawrev-3590	305	14	have	have	AUX
inlawrev-3590	305	15	accumulated	accumulate	VERB
inlawrev-3590	305	16	enough	enough	ADJ
inlawrev-3590	305	17	experience	experience	NOUN
inlawrev-3590	305	18	with	with	ADP
inlawrev-3590	305	19	terror	terror	NOUN
inlawrev-3590	305	20	-	-	PUNCT
inlawrev-3590	305	21	related	relate	VERB
inlawrev-3590	305	22	losses	loss	NOUN
inlawrev-3590	305	23	to	to	PART
inlawrev-3590	305	24	be	be	AUX
inlawrev-3590	305	25	willing	willing	ADJ
inlawrev-3590	305	26	to	to	PART
inlawrev-3590	305	27	supply	supply	VERB
inlawrev-3590	305	28	coverage	coverage	NOUN
inlawrev-3590	305	29	for	for	ADP
inlawrev-3590	305	30	the	the	DET
inlawrev-3590	305	31	risks	risk	NOUN
inlawrev-3590	305	32	that	that	PRON
inlawrev-3590	305	33	they	they	PRON
inlawrev-3590	305	34	believe	believe	VERB
inlawrev-3590	305	35	to	to	PART
inlawrev-3590	305	36	be	be	AUX
inlawrev-3590	305	37	modest	modest	ADJ
inlawrev-3590	305	38	and	and	CCONJ
inlawrev-3590	305	39	diversifiable	diversifiable	ADJ
inlawrev-3590	305	40	.	.	PUNCT
inlawrev-3590	306	1	premiums	premium	NOUN
inlawrev-3590	306	2	will	will	AUX
inlawrev-3590	306	3	be	be	AUX
inlawrev-3590	306	4	higher	high	ADJ
inlawrev-3590	306	5	than	than	ADP
inlawrev-3590	306	6	before	before	ADP
inlawrev-3590	306	7	september	september	PROPN
inlawrev-3590	306	8	1	1	NUM
inlawrev-3590	306	9	1	1	NUM
inlawrev-3590	306	10	,	,	PUNCT
inlawrev-3590	306	11	and	and	CCONJ
inlawrev-3590	306	12	terror	terror	NOUN
inlawrev-3590	306	13	coverage	coverage	NOUN
inlawrev-3590	306	14	for	for	ADP
inlawrev-3590	306	15	some	some	DET
inlawrev-3590	306	16	insureds	insured	NOUN
inlawrev-3590	306	17	may	may	AUX
inlawrev-3590	306	18	have	have	VERB
inlawrev-3590	306	19	to	to	PART
inlawrev-3590	306	20	be	be	AUX
inlawrev-3590	306	21	purchased	purchase	VERB
inlawrev-3590	306	22	separately	separately	ADV
inlawrev-3590	306	23	.	.	PUNCT
inlawrev-3590	307	1	but	but	CCONJ
inlawrev-3590	307	2	coverage	coverage	NOUN
inlawrev-3590	307	3	will	will	AUX
inlawrev-3590	307	4	be	be	AUX
inlawrev-3590	307	5	available	available	ADJ
inlawrev-3590	307	6	in	in	ADP
inlawrev-3590	307	7	substantial	substantial	ADJ
inlawrev-3590	307	8	dollar	dollar	NOUN
inlawrev-3590	307	9	limits	limit	NOUN
inlawrev-3590	307	10	at	at	ADP
inlawrev-3590	307	11	premiums	premium	NOUN
inlawrev-3590	307	12	that	that	PRON
inlawrev-3590	307	13	are	be	AUX
inlawrev-3590	307	14	not	not	PART
inlawrev-3590	307	15	terribly	terribly	ADV
inlawrev-3590	307	16	in	in	ADP
inlawrev-3590	307	17	excess	excess	NOUN
inlawrev-3590	307	18	of	of	ADP
inlawrev-3590	307	19	actuaries	actuary	NOUN
inlawrev-3590	307	20	'	'	PART
inlawrev-3590	307	21	best	good	ADJ
inlawrev-3590	307	22	estimates	estimate	NOUN
inlawrev-3590	307	23	ofexpected	ofexpecte	VERB
inlawrev-3590	307	24	losses	loss	NOUN
inlawrev-3590	307	25	.	.	PUNCT
inlawrev-3590	308	1	at	at	ADP
inlawrev-3590	308	2	the	the	DET
inlawrev-3590	308	3	same	same	ADJ
inlawrev-3590	308	4	time	time	NOUN
inlawrev-3590	308	5	,	,	PUNCT
inlawrev-3590	308	6	however	however	ADV
inlawrev-3590	308	7	,	,	PUNCT
inlawrev-3590	308	8	new	new	ADJ
inlawrev-3590	308	9	exclusions	exclusion	NOUN
inlawrev-3590	308	10	in	in	ADP
inlawrev-3590	308	11	standard	standard	ADJ
inlawrev-3590	308	12	policies	policy	NOUN
inlawrev-3590	308	13	will	will	AUX
inlawrev-3590	308	14	likely	likely	ADV
inlawrev-3590	308	15	make	make	VERB
inlawrev-3590	308	16	coverage	coverage	NOUN
inlawrev-3590	308	17	for	for	ADP
inlawrev-3590	308	18	certain	certain	ADJ
inlawrev-3590	308	19	catastrophic	catastrophic	ADJ
inlawrev-3590	308	20	terrorist	terrorist	ADJ
inlawrev-3590	308	21	acts	act	NOUN
inlawrev-3590	308	22	unavailable	unavailable	ADJ
inlawrev-3590	308	23	altogether	altogether	ADV
inlawrev-3590	308	24	,	,	PUNCT
inlawrev-3590	308	25	such	such	ADJ
inlawrev-3590	308	26	as	as	ADP
inlawrev-3590	308	27	acts	act	NOUN
inlawrev-3590	308	28	involving	involve	VERB
inlawrev-3590	308	29	the	the	DET
inlawrev-3590	308	30	use	use	NOUN
inlawrev-3590	308	31	of	of	ADP
inlawrev-3590	308	32	weapons	weapon	NOUN
inlawrev-3590	308	33	of	of	ADP
inlawrev-3590	308	34	mass	mass	ADJ
inlawrev-3590	308	35	destruction	destruction	NOUN
inlawrev-3590	308	36	.	.	PUNCT
inlawrev-3590	309	1	here	here	ADV
inlawrev-3590	309	2	,	,	PUNCT
inlawrev-3590	309	3	the	the	DET
inlawrev-3590	309	4	unavailability	unavailability	NOUN
inlawrev-3590	309	5	of	of	ADP
inlawrev-3590	309	6	coverage	coverage	NOUN
inlawrev-3590	309	7	is	be	AUX
inlawrev-3590	309	8	not	not	PART
inlawrev-3590	309	9	a	a	DET
inlawrev-3590	309	10	transitory	transitory	ADJ
inlawrev-3590	309	11	result	result	NOUN
inlawrev-3590	309	12	ofrisk	ofrisk	NOUN
inlawrev-3590	309	13	overhang	overhang	NOUN
inlawrev-3590	309	14	,	,	PUNCT
inlawrev-3590	309	15	but	but	CCONJ
inlawrev-3590	309	16	a	a	DET
inlawrev-3590	309	17	lasting	last	VERB
inlawrev-3590	309	18	manifestation	manifestation	NOUN
inlawrev-3590	309	19	ofthe	ofthe	VERB
inlawrev-3590	309	20	fact	fact	NOUN
inlawrev-3590	309	21	that	that	SCONJ
inlawrev-3590	309	22	some	some	DET
inlawrev-3590	309	23	losses	loss	NOUN
inlawrev-3590	309	24	are	be	AUX
inlawrev-3590	309	25	so	so	ADV
inlawrev-3590	309	26	large	large	ADJ
inlawrev-3590	309	27	and	and	CCONJ
inlawrev-3590	309	28	undiversifiable	undiversifiable	ADJ
inlawrev-3590	309	29	that	that	SCONJ
inlawrev-3590	309	30	private	private	ADJ
inlawrev-3590	309	31	insurers	insurer	NOUN
inlawrev-3590	309	32	will	will	AUX
inlawrev-3590	309	33	not	not	PART
inlawrev-3590	309	34	agree	agree	VERB
inlawrev-3590	309	35	to	to	PART
inlawrev-3590	309	36	cover	cover	VERB
inlawrev-3590	309	37	them	they	PRON
inlawrev-3590	309	38	.	.	PUNCT
inlawrev-3590	310	1	should	should	AUX
inlawrev-3590	310	2	government	government	NOUN
inlawrev-3590	310	3	offer	offer	VERB
inlawrev-3590	310	4	to	to	PART
inlawrev-3590	310	5	insure	insure	VERB
inlawrev-3590	310	6	these	these	DET
inlawrev-3590	310	7	types	type	NOUN
inlawrev-3590	310	8	of	of	ADP
inlawrev-3590	310	9	losses	loss	NOUN
inlawrev-3590	310	10	?	?	PUNCT
inlawrev-3590	311	1	one	one	PRON
inlawrev-3590	311	2	might	might	AUX
inlawrev-3590	311	3	begin	begin	VERB
inlawrev-3590	311	4	with	with	ADP
inlawrev-3590	311	5	a	a	DET
inlawrev-3590	311	6	simple	simple	ADJ
inlawrev-3590	311	7	"	"	PUNCT
inlawrev-3590	311	8	no	no	NOUN
inlawrev-3590	311	9	"	"	PUNCT
inlawrev-3590	311	10	based	base	VERB
inlawrev-3590	311	11	on	on	ADP
inlawrev-3590	311	12	the	the	DET
inlawrev-3590	311	13	observation	observation	NOUN
inlawrev-3590	311	14	that	that	SCONJ
inlawrev-3590	311	15	there	there	PRON
inlawrev-3590	311	16	are	be	VERB
inlawrev-3590	311	17	numerous	numerous	ADJ
inlawrev-3590	311	18	uninsurable	uninsurable	ADJ
inlawrev-3590	311	19	losses	loss	NOUN
inlawrev-3590	311	20	,	,	PUNCT
inlawrev-3590	311	21	and	and	CCONJ
inlawrev-3590	311	22	government	government	NOUN
inlawrev-3590	311	23	does	do	AUX
inlawrev-3590	311	24	not	not	PART
inlawrev-3590	311	25	generally	generally	ADV
inlawrev-3590	311	26	step	step	VERB
inlawrev-3590	311	27	in	in	ADV
inlawrev-3590	311	28	to	to	PART
inlawrev-3590	311	29	cover	cover	VERB
inlawrev-3590	311	30	them	they	PRON
inlawrev-3590	311	31	.	.	PUNCT
inlawrev-3590	312	1	governments	government	NOUN
inlawrev-3590	312	2	do	do	AUX
inlawrev-3590	312	3	not	not	PART
inlawrev-3590	312	4	generally	generally	ADV
inlawrev-3590	312	5	offer	offer	VERB
inlawrev-3590	312	6	act	act	NOUN
inlawrev-3590	312	7	of	of	ADP
inlawrev-3590	312	8	war	war	NOUN
inlawrev-3590	312	9	coverage	coverage	NOUN
inlawrev-3590	312	10	,	,	PUNCT
inlawrev-3590	312	11	for	for	ADP
inlawrev-3590	312	12	example	example	NOUN
inlawrev-3590	312	13	,	,	PUNCT
inlawrev-3590	312	14	and	and	CCONJ
inlawrev-3590	312	15	it	it	PRON
inlawrev-3590	312	16	is	be	AUX
inlawrev-3590	312	17	not	not	PART
inlawrev-3590	312	18	terribly	terribly	ADV
inlawrev-3590	312	19	difficult	difficult	ADJ
inlawrev-3590	312	20	to	to	PART
inlawrev-3590	312	21	understand	understand	VERB
inlawrev-3590	312	22	why	why	SCONJ
inlawrev-3590	312	23	.	.	PUNCT
inlawrev-3590	313	1	in	in	ADP
inlawrev-3590	313	2	the	the	DET
inlawrev-3590	313	3	event	event	NOUN
inlawrev-3590	313	4	of	of	ADP
inlawrev-3590	313	5	a	a	DET
inlawrev-3590	313	6	large	large	ADJ
inlawrev-3590	313	7	scale	scale	NOUN
inlawrev-3590	313	8	war	war	NOUN
inlawrev-3590	313	9	,	,	PUNCT
inlawrev-3590	313	10	a	a	DET
inlawrev-3590	313	11	government	government	NOUN
inlawrev-3590	313	12	promise	promise	NOUN
inlawrev-3590	313	13	to	to	PART
inlawrev-3590	313	14	pay	pay	VERB
inlawrev-3590	313	15	for	for	ADP
inlawrev-3590	313	16	losses	loss	NOUN
inlawrev-3590	313	17	might	might	AUX
inlawrev-3590	313	18	not	not	PART
inlawrev-3590	313	19	be	be	AUX
inlawrev-3590	313	20	credible	credible	ADJ
inlawrev-3590	313	21	.	.	PUNCT
inlawrev-3590	314	1	even	even	ADV
inlawrev-3590	314	2	in	in	ADP
inlawrev-3590	314	3	the	the	DET
inlawrev-3590	314	4	event	event	NOUN
inlawrev-3590	314	5	of	of	ADP
inlawrev-3590	314	6	smaller	small	ADJ
inlawrev-3590	314	7	scale	scale	NOUN
inlawrev-3590	314	8	conflicts	conflict	NOUN
inlawrev-3590	314	9	where	where	SCONJ
inlawrev-3590	314	10	the	the	DET
inlawrev-3590	314	11	government	government	NOUN
inlawrev-3590	314	12	's	's	PART
inlawrev-3590	314	13	ability	ability	NOUN
inlawrev-3590	314	14	to	to	PART
inlawrev-3590	314	15	pay	pay	VERB
inlawrev-3590	314	16	might	might	AUX
inlawrev-3590	314	17	not	not	PART
inlawrev-3590	314	18	be	be	AUX
inlawrev-3590	314	19	in	in	ADP
inlawrev-3590	314	20	is5ue	is5ue	NOUN
inlawrev-3590	314	21	,	,	PUNCT
inlawrev-3590	314	22	the	the	DET
inlawrev-3590	314	23	optimal	optimal	ADJ
inlawrev-3590	314	24	use	use	NOUN
inlawrev-3590	314	25	of	of	ADP
inlawrev-3590	314	26	limited	limited	ADJ
inlawrev-3590	314	27	government	government	NOUN
inlawrev-3590	314	28	resources	resource	NOUN
inlawrev-3590	314	29	may	may	AUX
inlawrev-3590	314	30	not	not	PART
inlawrev-3590	314	31	be	be	AUX
inlawrev-3590	314	32	to	to	PART
inlawrev-3590	314	33	reimburse	reimburse	VERB
inlawrev-3590	314	34	property	property	NOUN
inlawrev-3590	314	35	2003	2003	NUM
inlawrev-3590	314	36	]	]	PUNCT
inlawrev-3590	314	37	terrorism	terrorism	NOUN
inlawrev-3590	314	38	and	and	CCONJ
inlawrev-3590	314	39	insurance	insurance	NOUN
inlawrev-3590	314	40	markets	market	NOUN
inlawrev-3590	314	41	461	461	NUM
inlawrev-3590	314	42	owners	owner	NOUN
inlawrev-3590	314	43	for	for	ADP
inlawrev-3590	314	44	their	their	PRON
inlawrev-3590	314	45	losses	loss	NOUN
inlawrev-3590	314	46	.	.	PUNCT
inlawrev-3590	315	1	the	the	DET
inlawrev-3590	315	2	needs	need	NOUN
inlawrev-3590	315	3	of	of	ADP
inlawrev-3590	315	4	national	national	ADJ
inlawrev-3590	315	5	defense	defense	NOUN
inlawrev-3590	315	6	and	and	CCONJ
inlawrev-3590	315	7	the	the	DET
inlawrev-3590	315	8	provisions	provision	NOUN
inlawrev-3590	315	9	of	of	ADP
inlawrev-3590	315	10	emergency	emergency	NOUN
inlawrev-3590	315	11	food	food	NOUN
inlawrev-3590	315	12	,	,	PUNCT
inlawrev-3590	315	13	shelter	shelter	NOUN
inlawrev-3590	315	14	and	and	CCONJ
inlawrev-3590	315	15	medical	medical	ADJ
inlawrev-3590	315	16	care	care	NOUN
inlawrev-3590	315	17	,	,	PUNCT
inlawrev-3590	315	18	may	may	AUX
inlawrev-3590	315	19	well	well	ADV
inlawrev-3590	315	20	represent	represent	VERB
inlawrev-3590	315	21	a	a	DET
inlawrev-3590	315	22	higher	high	ADJ
inlawrev-3590	315	23	priority	priority	NOUN
inlawrev-3590	315	24	.	.	PUNCT
inlawrev-3590	316	1	this	this	PRON
inlawrev-3590	316	2	is	be	AUX
inlawrev-3590	316	3	not	not	PART
inlawrev-3590	316	4	to	to	PART
inlawrev-3590	316	5	suggest	suggest	VERB
inlawrev-3590	316	6	that	that	SCONJ
inlawrev-3590	316	7	government	government	NOUN
inlawrev-3590	316	8	should	should	AUX
inlawrev-3590	316	9	do	do	VERB
inlawrev-3590	316	10	nothing	nothing	PRON
inlawrev-3590	316	11	in	in	ADP
inlawrev-3590	316	12	the	the	DET
inlawrev-3590	316	13	event	event	NOUN
inlawrev-3590	316	14	of	of	ADP
inlawrev-3590	316	15	a	a	DET
inlawrev-3590	316	16	national	national	ADJ
inlawrev-3590	316	17	catastrophe	catastrophe	NOUN
inlawrev-3590	316	18	that	that	PRON
inlawrev-3590	316	19	presents	present	VERB
inlawrev-3590	316	20	a	a	DET
inlawrev-3590	316	21	privately	privately	ADV
inlawrev-3590	316	22	uninsurable	uninsurable	ADJ
inlawrev-3590	316	23	risk	risk	NOUN
inlawrev-3590	316	24	.	.	PUNCT
inlawrev-3590	317	1	quite	quite	DET
inlawrev-3590	317	2	the	the	DET
inlawrev-3590	317	3	contrary	contrary	NOUN
inlawrev-3590	317	4	,	,	PUNCT
inlawrev-3590	317	5	the	the	DET
inlawrev-3590	317	6	government	government	NOUN
inlawrev-3590	317	7	should	should	AUX
inlawrev-3590	317	8	and	and	CCONJ
inlawrev-3590	317	9	does	do	AUX
inlawrev-3590	317	10	assist	assist	VERB
inlawrev-3590	317	11	those	those	PRON
inlawrev-3590	317	12	who	who	PRON
inlawrev-3590	317	13	have	have	AUX
inlawrev-3590	317	14	suffered	suffer	VERB
inlawrev-3590	317	15	losses	loss	NOUN
inlawrev-3590	317	16	.	.	PUNCT
inlawrev-3590	318	1	it	it	PRON
inlawrev-3590	318	2	simply	simply	ADV
inlawrev-3590	318	3	does	do	VERB
inlawrev-3590	318	4	so	so	ADV
inlawrev-3590	318	5	on	on	ADP
inlawrev-3590	318	6	the	the	DET
inlawrev-3590	318	7	basis	basis	NOUN
inlawrev-3590	318	8	of	of	ADP
inlawrev-3590	318	9	an	an	DET
inlawrev-3590	318	10	ex	ex	X
inlawrev-3590	318	11	post	post	NOUN
inlawrev-3590	318	12	assessment	assessment	NOUN
inlawrev-3590	318	13	of	of	ADP
inlawrev-3590	318	14	priorities	priority	NOUN
inlawrev-3590	318	15	rather	rather	ADV
inlawrev-3590	318	16	than	than	ADP
inlawrev-3590	318	17	ex	ex	PRON
inlawrev-3590	318	18	ante	ante	NOUN
inlawrev-3590	318	19	contracts	contract	NOUN
inlawrev-3590	318	20	with	with	ADP
inlawrev-3590	318	21	some	some	DET
inlawrev-3590	318	22	subset	subset	VERB
inlawrev-3590	318	23	ofthe	ofthe	PRON
inlawrev-3590	318	24	population	population	NOUN
inlawrev-3590	318	25	that	that	PRON
inlawrev-3590	318	26	has	have	AUX
inlawrev-3590	318	27	elected	elect	VERB
inlawrev-3590	318	28	to	to	PART
inlawrev-3590	318	29	purchase	purchase	VERB
inlawrev-3590	318	30	insurance	insurance	NOUN
inlawrev-3590	318	31	.	.	PUNCT
inlawrev-3590	319	1	the	the	DET
inlawrev-3590	319	2	federal	federal	ADJ
inlawrev-3590	319	3	assistance	assistance	NOUN
inlawrev-3590	319	4	to	to	ADP
inlawrev-3590	319	5	new	new	PROPN
inlawrev-3590	319	6	york	york	PROPN
inlawrev-3590	319	7	and	and	CCONJ
inlawrev-3590	319	8	the	the	DET
inlawrev-3590	319	9	compensation	compensation	NOUN
inlawrev-3590	319	10	fund	fund	NOUN
inlawrev-3590	319	11	for	for	ADP
inlawrev-3590	319	12	victims	victim	NOUN
inlawrev-3590	319	13	ofthe	ofthe	AUX
inlawrev-3590	319	14	september	september	PROPN
inlawrev-3590	319	15	1	1	NUM
inlawrev-3590	319	16	1	1	NUM
inlawrev-3590	319	17	attacks	attack	NOUN
inlawrev-3590	319	18	noted	note	VERB
inlawrev-3590	319	19	in	in	ADP
inlawrev-3590	319	20	the	the	DET
inlawrev-3590	319	21	introduction	introduction	NOUN
inlawrev-3590	319	22	are	be	AUX
inlawrev-3590	319	23	clear	clear	ADJ
inlawrev-3590	319	24	examples	example	NOUN
inlawrev-3590	319	25	.	.	PUNCT
inlawrev-3590	320	1	ex	ex	PRON
inlawrev-3590	320	2	post	post	VERB
inlawrev-3590	320	3	humanitarian	humanitarian	ADJ
inlawrev-3590	320	4	assistance	assistance	NOUN
inlawrev-3590	320	5	in	in	ADP
inlawrev-3590	320	6	lieu	lieu	NOUN
inlawrev-3590	320	7	of	of	ADP
inlawrev-3590	320	8	ex	ex	ADJ
inlawrev-3590	320	9	ante	ante	NOUN
inlawrev-3590	320	10	insurance	insurance	NOUN
inlawrev-3590	320	11	arrangements	arrangement	NOUN
inlawrev-3590	320	12	assuredly	assuredly	ADV
inlawrev-3590	320	13	fails	fail	VERB
inlawrev-3590	320	14	to	to	PART
inlawrev-3590	320	15	achieve	achieve	VERB
inlawrev-3590	320	16	optimal	optimal	ADJ
inlawrev-3590	320	17	risk	risk	NOUN
inlawrev-3590	320	18	allocation	allocation	NOUN
inlawrev-3590	320	19	in	in	ADP
inlawrev-3590	320	20	any	any	DET
inlawrev-3590	320	21	sense	sense	NOUN
inlawrev-3590	320	22	.	.	PUNCT
inlawrev-3590	321	1	however	however	ADV
inlawrev-3590	321	2	,	,	PUNCT
inlawrev-3590	321	3	government	government	NOUN
inlawrev-3590	321	4	should	should	AUX
inlawrev-3590	321	5	have	have	VERB
inlawrev-3590	321	6	other	other	ADJ
inlawrev-3590	321	7	considerations	consideration	NOUN
inlawrev-3590	321	8	in	in	ADP
inlawrev-3590	321	9	its	its	PRON
inlawrev-3590	321	10	objective	objective	ADJ
inlawrev-3590	321	11	function	function	NOUN
inlawrev-3590	321	12	besides	besides	SCONJ
inlawrev-3590	321	13	optimal	optimal	ADJ
inlawrev-3590	321	14	risk	risk	NOUN
inlawrev-3590	321	15	sharing	sharing	NOUN
inlawrev-3590	321	16	,	,	PUNCT
inlawrev-3590	321	17	including	include	VERB
inlawrev-3590	321	18	distributional	distributional	ADJ
inlawrev-3590	321	19	considerations	consideration	NOUN
inlawrev-3590	321	20	that	that	PRON
inlawrev-3590	321	21	pure	pure	ADJ
inlawrev-3590	321	22	insurance	insurance	NOUN
inlawrev-3590	321	23	markets	market	NOUN
inlawrev-3590	321	24	will	will	AUX
inlawrev-3590	321	25	not	not	PART
inlawrev-3590	321	26	address	address	VERB
inlawrev-3590	321	27	and	and	CCONJ
inlawrev-3590	321	28	the	the	DET
inlawrev-3590	321	29	other	other	ADJ
inlawrev-3590	321	30	sorts	sort	NOUN
inlawrev-3590	321	31	ofexpenditure	ofexpenditure	ADJ
inlawrev-3590	321	32	priorities	priority	NOUN
inlawrev-3590	321	33	noted	note	VERB
inlawrev-3590	321	34	above	above	ADV
inlawrev-3590	321	35	.	.	PUNCT
inlawrev-3590	322	1	it	it	PRON
inlawrev-3590	322	2	would	would	AUX
inlawrev-3590	322	3	be	be	AUX
inlawrev-3590	322	4	exceedingly	exceedingly	ADV
inlawrev-3590	322	5	difficult	difficult	ADJ
inlawrev-3590	322	6	to	to	PART
inlawrev-3590	322	7	write	write	VERB
inlawrev-3590	322	8	an	an	DET
inlawrev-3590	322	9	ex	ex	NOUN
inlawrev-3590	322	10	ante	ante	NOUN
inlawrev-3590	322	11	contract	contract	NOUN
inlawrev-3590	322	12	that	that	PRON
inlawrev-3590	322	13	accurately	accurately	ADV
inlawrev-3590	322	14	specified	specify	VERB
inlawrev-3590	322	15	the	the	DET
inlawrev-3590	322	16	act	act	NOUN
inlawrev-3590	322	17	ofwar	ofwar	NOUN
inlawrev-3590	322	18	contingencies	contingency	NOUN
inlawrev-3590	322	19	for	for	ADP
inlawrev-3590	322	20	which	which	PRON
inlawrev-3590	322	21	the	the	DET
inlawrev-3590	322	22	government	government	NOUN
inlawrev-3590	322	23	's	's	PART
inlawrev-3590	322	24	promise	promise	NOUN
inlawrev-3590	322	25	to	to	PART
inlawrev-3590	322	26	pay	pay	VERB
inlawrev-3590	322	27	was	be	AUX
inlawrev-3590	322	28	credible	credible	ADJ
inlawrev-3590	322	29	and	and	CCONJ
inlawrev-3590	322	30	that	that	SCONJ
inlawrev-3590	322	31	the	the	DET
inlawrev-3590	322	32	fulfillment	fulfillment	NOUN
inlawrev-3590	322	33	of	of	ADP
inlawrev-3590	322	34	such	such	DET
inlawrev-3590	322	35	a	a	DET
inlawrev-3590	322	36	promise	promise	NOUN
inlawrev-3590	322	37	would	would	AUX
inlawrev-3590	322	38	not	not	PART
inlawrev-3590	322	39	divert	divert	VERB
inlawrev-3590	322	40	scarce	scarce	ADJ
inlawrev-3590	322	41	resources	resource	NOUN
inlawrev-3590	322	42	from	from	ADP
inlawrev-3590	322	43	higher	high	ADJ
inlawrev-3590	322	44	valued	value	VERB
inlawrev-3590	322	45	uses	use	NOUN
inlawrev-3590	322	46	.	.	PUNCT
inlawrev-3590	323	1	this	this	DET
inlawrev-3590	323	2	observation	observation	NOUN
inlawrev-3590	323	3	,	,	PUNCT
inlawrev-3590	323	4	we	we	PRON
inlawrev-3590	323	5	suggest	suggest	VERB
inlawrev-3590	323	6	,	,	PUNCT
inlawrev-3590	323	7	may	may	AUX
inlawrev-3590	323	8	well	well	ADV
inlawrev-3590	323	9	suffice	suffice	VERB
inlawrev-3590	323	10	to	to	PART
inlawrev-3590	323	11	justify	justify	VERB
inlawrev-3590	323	12	an	an	DET
inlawrev-3590	323	13	"	"	PUNCT
inlawrev-3590	323	14	ex	ex	ADJ
inlawrev-3590	323	15	posf	posf	NOUN
inlawrev-3590	323	16	approach	approach	NOUN
inlawrev-3590	323	17	to	to	ADP
inlawrev-3590	323	18	government	government	NOUN
inlawrev-3590	323	19	assistance	assistance	NOUN
inlawrev-3590	323	20	in	in	ADP
inlawrev-3590	323	21	the	the	DET
inlawrev-3590	323	22	event	event	NOUN
inlawrev-3590	323	23	of	of	ADP
inlawrev-3590	323	24	attacks	attack	NOUN
inlawrev-3590	323	25	on	on	ADP
inlawrev-3590	323	26	the	the	DET
inlawrev-3590	323	27	nation	nation	NOUN
inlawrev-3590	323	28	.	.	PUNCT
inlawrev-3590	324	1	however	however	ADV
inlawrev-3590	324	2	,	,	PUNCT
inlawrev-3590	324	3	we	we	PRON
inlawrev-3590	324	4	are	be	AUX
inlawrev-3590	324	5	mindful	mindful	ADJ
inlawrev-3590	324	6	of	of	ADP
inlawrev-3590	324	7	possible	possible	ADJ
inlawrev-3590	324	8	arguments	argument	NOUN
inlawrev-3590	324	9	to	to	ADP
inlawrev-3590	324	10	the	the	DET
inlawrev-3590	324	11	contrary	contrary	NOUN
inlawrev-3590	324	12	.	.	PUNCT
inlawrev-3590	325	1	one	one	NUM
inlawrev-3590	325	2	such	such	ADJ
inlawrev-3590	325	3	argument	argument	NOUN
inlawrev-3590	325	4	is	be	AUX
inlawrev-3590	325	5	that	that	SCONJ
inlawrev-3590	325	6	properly	properly	ADV
inlawrev-3590	325	7	priced	price	VERB
inlawrev-3590	325	8	government	government	NOUN
inlawrev-3590	325	9	insurance	insurance	NOUN
inlawrev-3590	325	10	arrangements	arrangement	NOUN
inlawrev-3590	325	11	might	might	AUX
inlawrev-3590	325	12	create	create	VERB
inlawrev-3590	325	13	valuable	valuable	ADJ
inlawrev-3590	325	14	incentives	incentive	NOUN
inlawrev-3590	325	15	.	.	PUNCT
inlawrev-3590	326	1	to	to	ADP
inlawrev-3590	326	2	the	the	DET
inlawrev-3590	326	3	extent	extent	NOUN
inlawrev-3590	326	4	that	that	SCONJ
inlawrev-3590	326	5	certain	certain	ADJ
inlawrev-3590	326	6	types	type	NOUN
inlawrev-3590	326	7	ofactivities	ofactivitie	NOUN
inlawrev-3590	326	8	or	or	CCONJ
inlawrev-3590	326	9	properties	property	NOUN
inlawrev-3590	326	10	are	be	AUX
inlawrev-3590	326	11	at	at	ADP
inlawrev-3590	326	12	greater	great	ADJ
inlawrev-3590	326	13	risk	risk	NOUN
inlawrev-3590	326	14	of	of	ADP
inlawrev-3590	326	15	harm	harm	NOUN
inlawrev-3590	326	16	from	from	ADP
inlawrev-3590	326	17	terrorist	terrorist	ADJ
inlawrev-3590	326	18	attacks	attack	NOUN
inlawrev-3590	326	19	,	,	PUNCT
inlawrev-3590	326	20	appropriately	appropriately	ADV
inlawrev-3590	326	21	calibrated	calibrate	VERB
inlawrev-3590	326	22	insurance	insurance	NOUN
inlawrev-3590	326	23	premiums	premium	NOUN
inlawrev-3590	326	24	might	might	AUX
inlawrev-3590	326	25	discourage	discourage	VERB
inlawrev-3590	326	26	especially	especially	ADV
inlawrev-3590	326	27	risky	risky	ADJ
inlawrev-3590	326	28	activities	activity	NOUN
inlawrev-3590	326	29	,	,	PUNCT
inlawrev-3590	326	30	discourage	discourage	VERB
inlawrev-3590	326	31	the	the	DET
inlawrev-3590	326	32	construction	construction	NOUN
inlawrev-3590	326	33	ofnew	ofnew	ADJ
inlawrev-3590	326	34	properties	property	NOUN
inlawrev-3590	326	35	that	that	PRON
inlawrev-3590	326	36	might	might	AUX
inlawrev-3590	326	37	represent	represent	VERB
inlawrev-3590	326	38	easy	easy	ADJ
inlawrev-3590	326	39	targets	target	NOUN
inlawrev-3590	326	40	,	,	PUNCT
inlawrev-3590	326	41	and	and	CCONJ
inlawrev-3590	326	42	encourage	encourage	VERB
inlawrev-3590	326	43	anti	anti	ADJ
inlawrev-3590	326	44	-	-	ADJ
inlawrev-3590	326	45	terrorist	terrorist	ADJ
inlawrev-3590	326	46	precautions	precaution	NOUN
inlawrev-3590	326	47	.	.	PUNCT
inlawrev-3590	327	1	such	such	DET
inlawrev-3590	327	2	an	an	DET
inlawrev-3590	327	3	argument	argument	NOUN
inlawrev-3590	327	4	must	must	AUX
inlawrev-3590	327	5	rest	rest	VERB
inlawrev-3590	327	6	on	on	ADP
inlawrev-3590	327	7	the	the	DET
inlawrev-3590	327	8	notion	notion	NOUN
inlawrev-3590	327	9	that	that	SCONJ
inlawrev-3590	327	10	ex	ex	PRON
inlawrev-3590	327	11	post	post	NOUN
inlawrev-3590	327	12	assistance	assistance	NOUN
inlawrev-3590	327	13	provides	provide	VERB
inlawrev-3590	327	14	a	a	DET
inlawrev-3590	327	15	de	de	X
inlawrev-3590	327	16	facto	facto	X
inlawrev-3590	327	17	"	"	PUNCT
inlawrev-3590	327	18	insurance	insurance	NOUN
inlawrev-3590	327	19	,	,	PUNCT
inlawrev-3590	327	20	"	"	PUNCT
inlawrev-3590	327	21	the	the	DET
inlawrev-3590	327	22	price	price	NOUN
inlawrev-3590	327	23	ofwhich	ofwhich	PRON
inlawrev-3590	327	24	is	be	AUX
inlawrev-3590	327	25	not	not	PART
inlawrev-3590	327	26	connected	connect	VERB
inlawrev-3590	327	27	to	to	ADP
inlawrev-3590	327	28	each	each	DET
inlawrev-3590	327	29	insureds	insured	NOUN
inlawrev-3590	327	30	'	'	PART
inlawrev-3590	327	31	risk	risk	NOUN
inlawrev-3590	327	32	,	,	PUNCT
inlawrev-3590	327	33	which	which	PRON
inlawrev-3590	327	34	results	result	VERB
inlawrev-3590	327	35	in	in	ADP
inlawrev-3590	327	36	moral	moral	ADJ
inlawrev-3590	327	37	hazard	hazard	NOUN
inlawrev-3590	327	38	.	.	PUNCT
inlawrev-3590	328	1	we	we	PRON
inlawrev-3590	328	2	do	do	AUX
inlawrev-3590	328	3	not	not	PART
inlawrev-3590	328	4	doubt	doubt	VERB
inlawrev-3590	328	5	that	that	SCONJ
inlawrev-3590	328	6	ex	ex	PRON
inlawrev-3590	328	7	post	post	VERB
inlawrev-3590	328	8	government	government	NOUN
inlawrev-3590	328	9	assistance	assistance	NOUN
inlawrev-3590	328	10	will	will	AUX
inlawrev-3590	328	11	create	create	VERB
inlawrev-3590	328	12	some	some	DET
inlawrev-3590	328	13	degree	degree	NOUN
inlawrev-3590	328	14	of	of	ADP
inlawrev-3590	328	15	moral	moral	ADJ
inlawrev-3590	328	16	hazard	hazard	NOUN
inlawrev-3590	328	17	at	at	ADP
inlawrev-3590	328	18	the	the	DET
inlawrev-3590	328	19	margin	margin	NOUN
inlawrev-3590	328	20	.	.	PUNCT
inlawrev-3590	329	1	indeed	indeed	ADV
inlawrev-3590	329	2	a	a	DET
inlawrev-3590	329	3	number	number	NOUN
inlawrev-3590	329	4	of	of	ADP
inlawrev-3590	329	5	writers	writer	NOUN
inlawrev-3590	329	6	have	have	AUX
inlawrev-3590	329	7	suggested	suggest	VERB
inlawrev-3590	329	8	that	that	SCONJ
inlawrev-3590	329	9	government	government	NOUN
inlawrev-3590	329	10	disaster	disaster	NOUN
inlawrev-3590	329	11	assistance	assistance	NOUN
inlawrev-3590	329	12	creates	create	VERB
inlawrev-3590	329	13	moral	moral	ADJ
inlawrev-3590	329	14	hazard	hazard	NOUN
inlawrev-3590	329	15	in	in	ADP
inlawrev-3590	329	16	other	other	ADJ
inlawrev-3590	329	17	contexts	contexts	NOUN
inlawrev-3590	329	18	,	,	PUNCT
inlawrev-3590	329	19	such	such	ADJ
inlawrev-3590	329	20	as	as	ADP
inlawrev-3590	329	21	with	with	ADP
inlawrev-3590	329	22	crop	crop	NOUN
inlawrev-3590	329	23	failure	failure	NOUN
inlawrev-3590	329	24	and	and	CCONJ
inlawrev-3590	329	25	flood	flood	NOUN
inlawrev-3590	329	26	insurance.^	insurance.^	NOUN
inlawrev-3590	329	27	"	"	PUNCT
inlawrev-3590	329	28	*	*	PUNCT
inlawrev-3590	329	29	these	these	DET
inlawrev-3590	329	30	writers	writer	NOUN
inlawrev-3590	329	31	typically	typically	ADV
inlawrev-3590	329	32	argue	argue	VERB
inlawrev-3590	329	33	that	that	SCONJ
inlawrev-3590	329	34	market	market	NOUN
inlawrev-3590	329	35	insurers	insurer	NOUN
inlawrev-3590	329	36	are	be	AUX
inlawrev-3590	329	37	better	well	ADJ
inlawrev-3590	329	38	able	able	ADJ
inlawrev-3590	329	39	to	to	PART
inlawrev-3590	329	40	police	police	VERB
inlawrev-3590	329	41	adverse	adverse	ADJ
inlawrev-3590	329	42	selection	selection	NOUN
inlawrev-3590	329	43	and	and	CCONJ
inlawrev-3590	329	44	moral	moral	ADJ
inlawrev-3590	329	45	hazard	hazard	NOUN
inlawrev-3590	329	46	problems	problem	NOUN
inlawrev-3590	329	47	than	than	ADP
inlawrev-3590	329	48	government	government	NOUN
inlawrev-3590	329	49	and	and	CCONJ
inlawrev-3590	329	50	urge	urge	VERB
inlawrev-3590	329	51	that	that	DET
inlawrev-3590	329	52	government	government	NOUN
inlawrev-3590	329	53	withdraw	withdraw	VERB
inlawrev-3590	329	54	from	from	ADP
inlawrev-3590	329	55	disaster	disaster	NOUN
inlawrev-3590	329	56	insurance	insurance	NOUN
inlawrev-3590	329	57	and	and	CCONJ
inlawrev-3590	329	58	ex	ex	PRON
inlawrev-3590	329	59	post	post	NOUN
inlawrev-3590	329	60	disaster	disaster	NOUN
inlawrev-3590	329	61	reliefactivities	reliefactivitie	NOUN
inlawrev-3590	329	62	wheneverthe	wheneverthe	PROPN
inlawrev-3590	329	63	government	government	NOUN
inlawrev-3590	329	64	presence	presence	NOUN
inlawrev-3590	329	65	discourages	discourage	VERB
inlawrev-3590	329	66	the	the	DET
inlawrev-3590	329	67	purchase	purchase	NOUN
inlawrev-3590	329	68	ofprivate	ofprivate	NOUN
inlawrev-3590	329	69	insurance	insurance	NOUN
inlawrev-3590	329	70	that	that	PRON
inlawrev-3590	329	71	is	be	AUX
inlawrev-3590	329	72	otherwise	otherwise	ADV
inlawrev-3590	329	73	available	available	ADJ
inlawrev-3590	329	74	or	or	CCONJ
inlawrev-3590	329	75	"	"	PUNCT
inlawrev-3590	329	76	crowds	crowd	NOUN
inlawrev-3590	329	77	ouf	ouf	PROPN
inlawrev-3590	329	78	private	private	PROPN
inlawrev-3590	329	79	insurers.^^	insurers.^^	PUNCT
inlawrev-3590	330	1	we	we	PRON
inlawrev-3590	330	2	concur	concur	VERB
inlawrev-3590	330	3	,	,	PUNCT
inlawrev-3590	330	4	and	and	CCONJ
inlawrev-3590	330	5	we	we	PRON
inlawrev-3590	330	6	certainly	certainly	ADV
inlawrev-3590	330	7	do	do	AUX
inlawrev-3590	330	8	not	not	PART
inlawrev-3590	330	9	entertain	entertain	VERB
inlawrev-3590	330	10	the	the	DET
inlawrev-3590	330	11	possibility	possibility	NOUN
inlawrev-3590	330	12	that	that	SCONJ
inlawrev-3590	330	13	government	government	NOUN
inlawrev-3590	330	14	should	should	AUX
inlawrev-3590	330	15	supplant	supplant	VERB
inlawrev-3590	330	16	private	private	ADJ
inlawrev-3590	330	17	insurers	insurer	NOUN
inlawrev-3590	330	18	or	or	CCONJ
inlawrev-3590	330	19	reinsurers	reinsurer	NOUN
inlawrev-3590	330	20	in	in	ADP
inlawrev-3590	330	21	the	the	DET
inlawrev-3590	330	22	provision	provision	NOUN
inlawrev-3590	330	23	of	of	ADP
inlawrev-3590	330	24	terrorism	terrorism	NOUN
inlawrev-3590	330	25	coverage	coverage	NOUN
inlawrev-3590	330	26	.	.	PUNCT
inlawrev-3590	331	1	the	the	DET
inlawrev-3590	331	2	question	question	NOUN
inlawrev-3590	331	3	here	here	ADV
inlawrev-3590	331	4	is	be	AUX
inlawrev-3590	331	5	a	a	DET
inlawrev-3590	331	6	slightly	slightly	ADV
inlawrev-3590	331	7	harder	hard	ADJ
inlawrev-3590	331	8	one	one	NUM
inlawrev-3590	331	9	—	—	PUNCT
inlawrev-3590	331	10	should	should	AUX
inlawrev-3590	331	11	government	government	NOUN
inlawrev-3590	331	12	shift	shift	VERB
inlawrev-3590	331	13	34	34	NUM
inlawrev-3590	331	14	.	.	PUNCT
inlawrev-3590	332	1	see	see	VERB
inlawrev-3590	332	2	george	george	PROPN
inlawrev-3590	332	3	priest	priest	PROPN
inlawrev-3590	332	4	,	,	PUNCT
inlawrev-3590	332	5	the	the	DET
inlawrev-3590	332	6	government	government	NOUN
inlawrev-3590	332	7	,	,	PUNCT
inlawrev-3590	332	8	the	the	DET
inlawrev-3590	332	9	market	market	NOUN
inlawrev-3590	332	10	,	,	PUNCT
inlawrev-3590	332	11	and	and	CCONJ
inlawrev-3590	332	12	the	the	DET
inlawrev-3590	332	13	problem	problem	NOUN
inlawrev-3590	332	14	ofcatastrophe	ofcatastrophe	NOUN
inlawrev-3590	332	15	loss	loss	NOUN
inlawrev-3590	332	16	,	,	PUNCT
inlawrev-3590	332	17	1	1	NUM
inlawrev-3590	332	18	2	2	NUM
inlawrev-3590	332	19	j.	j.	PROPN
inlawrev-3590	332	20	risk	risk	NOUN
inlawrev-3590	332	21	&	&	CCONJ
inlawrev-3590	332	22	uncertainty	uncertainty	NOUN
inlawrev-3590	332	23	219(1	219(1	NUM
inlawrev-3590	332	24	996	996	NUM
inlawrev-3590	332	25	)	)	PUNCT
inlawrev-3590	332	26	;	;	PUNCT
inlawrev-3590	332	27	see	see	VERB
inlawrev-3590	332	28	also	also	ADV
inlawrev-3590	332	29	scott	scott	PROPN
inlawrev-3590	332	30	harrington	harrington	PROPN
inlawrev-3590	332	31	,	,	PUNCT
inlawrev-3590	332	32	rethinking	rethink	VERB
inlawrev-3590	332	33	disaster	disaster	NOUN
inlawrev-3590	332	34	policy	policy	NOUN
inlawrev-3590	332	35	,	,	PUNCT
inlawrev-3590	332	36	23	23	NUM
inlawrev-3590	332	37	regulation	regulation	NOUN
inlawrev-3590	332	38	40	40	NUM
inlawrev-3590	332	39	(	(	PUNCT
inlawrev-3590	332	40	2000	2000	NUM
inlawrev-3590	332	41	)	)	PUNCT
inlawrev-3590	332	42	.	.	PUNCT
inlawrev-3590	333	1	35	35	NUM
inlawrev-3590	333	2	.	.	PUNCT
inlawrev-3590	334	1	i	i	PRON
inlawrev-3590	334	2	d.	d.	PROPN
inlawrev-3590	334	3	462	462	NUM
inlawrev-3590	334	4	indiana	indiana	PROPN
inlawrev-3590	334	5	law	law	PROPN
inlawrev-3590	334	6	review	review	NOUN
inlawrev-3590	335	1	[	[	X
inlawrev-3590	335	2	vol	vol	NOUN
inlawrev-3590	335	3	.	.	PUNCT
inlawrev-3590	335	4	36:447	36:447	NOUN
inlawrev-3590	335	5	from	from	ADP
inlawrev-3590	335	6	the	the	DET
inlawrev-3590	335	7	provision	provision	NOUN
inlawrev-3590	335	8	of	of	ADP
inlawrev-3590	335	9	ex	ex	ADJ
inlawrev-3590	335	10	post	post	NOUN
inlawrev-3590	335	11	assistance	assistance	NOUN
inlawrev-3590	335	12	to	to	ADP
inlawrev-3590	335	13	ex	ex	PRON
inlawrev-3590	335	14	ante	ante	NOUN
inlawrev-3590	335	15	insurance	insurance	NOUN
inlawrev-3590	335	16	coverage	coverage	NOUN
inlawrev-3590	335	17	with	with	ADP
inlawrev-3590	335	18	respect	respect	NOUN
inlawrev-3590	335	19	to	to	ADP
inlawrev-3590	335	20	the	the	DET
inlawrev-3590	335	21	terror	terror	NOUN
inlawrev-3590	335	22	risks	risk	NOUN
inlawrev-3590	335	23	that	that	PRON
inlawrev-3590	335	24	are	be	AUX
inlawrev-3590	335	25	uninsurable	uninsurable	ADJ
inlawrev-3590	335	26	in	in	ADP
inlawrev-3590	335	27	the	the	DET
inlawrev-3590	335	28	private	private	ADJ
inlawrev-3590	335	29	market	market	NOUN
inlawrev-3590	335	30	over	over	ADP
inlawrev-3590	335	31	the	the	DET
inlawrev-3590	335	32	long	long	ADJ
inlawrev-3590	335	33	run	run	NOUN
inlawrev-3590	335	34	?	?	PUNCT
inlawrev-3590	336	1	in	in	ADP
inlawrev-3590	336	2	particular	particular	ADJ
inlawrev-3590	336	3	,	,	PUNCT
inlawrev-3590	336	4	could	could	AUX
inlawrev-3590	336	5	such	such	DET
inlawrev-3590	336	6	a	a	DET
inlawrev-3590	336	7	shift	shift	NOUN
inlawrev-3590	336	8	be	be	AUX
inlawrev-3590	336	9	justified	justify	VERB
inlawrev-3590	336	10	by	by	ADP
inlawrev-3590	336	11	the	the	DET
inlawrev-3590	336	12	superior	superior	ADJ
inlawrev-3590	336	13	risk	risk	NOUN
inlawrev-3590	336	14	avoidance	avoidance	NOUN
inlawrev-3590	336	15	incentives	incentive	NOUN
inlawrev-3590	336	16	that	that	PRON
inlawrev-3590	336	17	would	would	AUX
inlawrev-3590	336	18	result	result	VERB
inlawrev-3590	336	19	?	?	PUNCT
inlawrev-3590	337	1	the	the	DET
inlawrev-3590	337	2	answer	answer	NOUN
inlawrev-3590	337	3	,	,	PUNCT
inlawrev-3590	337	4	we	we	PRON
inlawrev-3590	337	5	believe	believe	VERB
inlawrev-3590	337	6	,	,	PUNCT
inlawrev-3590	337	7	is	be	AUX
inlawrev-3590	337	8	"	"	PUNCT
inlawrev-3590	337	9	no	no	INTJ
inlawrev-3590	337	10	,	,	PUNCT
inlawrev-3590	337	11	"	"	PUNCT
inlawrev-3590	337	12	for	for	ADP
inlawrev-3590	337	13	two	two	NUM
inlawrev-3590	337	14	reasons	reason	NOUN
inlawrev-3590	337	15	.	.	PUNCT
inlawrev-3590	338	1	first	first	ADV
inlawrev-3590	338	2	,	,	PUNCT
inlawrev-3590	338	3	although	although	SCONJ
inlawrev-3590	338	4	ex	ex	PRON
inlawrev-3590	338	5	post	post	VERB
inlawrev-3590	338	6	aid	aid	NOUN
inlawrev-3590	338	7	in	in	ADP
inlawrev-3590	338	8	the	the	DET
inlawrev-3590	338	9	event	event	NOUN
inlawrev-3590	338	10	of	of	ADP
inlawrev-3590	338	11	terror	terror	NOUN
inlawrev-3590	338	12	attacks	attack	NOUN
inlawrev-3590	338	13	creates	create	VERB
inlawrev-3590	338	14	some	some	DET
inlawrev-3590	338	15	degree	degree	NOUN
inlawrev-3590	338	16	ofmoral	ofmoral	ADJ
inlawrev-3590	338	17	hazard	hazard	NOUN
inlawrev-3590	338	18	,	,	PUNCT
inlawrev-3590	338	19	the	the	DET
inlawrev-3590	338	20	effect	effect	NOUN
inlawrev-3590	338	21	may	may	AUX
inlawrev-3590	338	22	be	be	AUX
inlawrev-3590	338	23	relatively	relatively	ADV
inlawrev-3590	338	24	modest	modest	ADJ
inlawrev-3590	338	25	because	because	SCONJ
inlawrev-3590	338	26	aid	aid	NOUN
inlawrev-3590	338	27	to	to	ADP
inlawrev-3590	338	28	terror	terror	NOUN
inlawrev-3590	338	29	victims	victim	NOUN
inlawrev-3590	338	30	is	be	AUX
inlawrev-3590	338	31	likely	likely	ADV
inlawrev-3590	338	32	quite	quite	ADV
inlawrev-3590	338	33	incomplete	incomplete	ADJ
inlawrev-3590	338	34	and	and	CCONJ
inlawrev-3590	338	35	uncertain	uncertain	ADJ
inlawrev-3590	338	36	.	.	PUNCT
inlawrev-3590	339	1	for	for	ADP
inlawrev-3590	339	2	example	example	NOUN
inlawrev-3590	339	3	,	,	PUNCT
inlawrev-3590	339	4	the	the	DET
inlawrev-3590	339	5	notion	notion	NOUN
inlawrev-3590	339	6	that	that	SCONJ
inlawrev-3590	339	7	the	the	DET
inlawrev-3590	339	8	owners	owner	NOUN
inlawrev-3590	339	9	of	of	ADP
inlawrev-3590	339	10	the	the	DET
inlawrev-3590	339	11	sears	sears	PROPN
inlawrev-3590	339	12	tower	tower	NOUN
inlawrev-3590	339	13	will	will	AUX
inlawrev-3590	339	14	eschew	eschew	VERB
inlawrev-3590	339	15	valuable	valuable	ADJ
inlawrev-3590	339	16	precautions	precaution	NOUN
inlawrev-3590	339	17	against	against	ADP
inlawrev-3590	339	18	terrorism	terrorism	NOUN
inlawrev-3590	339	19	on	on	ADP
inlawrev-3590	339	20	the	the	DET
inlawrev-3590	339	21	grounds	ground	NOUN
inlawrev-3590	339	22	that	that	SCONJ
inlawrev-3590	339	23	they	they	PRON
inlawrev-3590	339	24	expect	expect	VERB
inlawrev-3590	339	25	something	something	PRON
inlawrev-3590	339	26	approaching	approach	VERB
inlawrev-3590	339	27	full	full	ADJ
inlawrev-3590	339	28	compensation	compensation	NOUN
inlawrev-3590	339	29	from	from	ADP
inlawrev-3590	339	30	the	the	DET
inlawrev-3590	339	31	government	government	NOUN
inlawrev-3590	339	32	in	in	ADP
inlawrev-3590	339	33	the	the	DET
inlawrev-3590	339	34	event	event	NOUN
inlawrev-3590	339	35	of	of	ADP
inlawrev-3590	339	36	its	its	PRON
inlawrev-3590	339	37	destruction	destruction	NOUN
inlawrev-3590	339	38	seems	seem	VERB
inlawrev-3590	339	39	uncompelling	uncompelling	ADJ
inlawrev-3590	339	40	.	.	PUNCT
inlawrev-3590	340	1	it	it	PRON
inlawrev-3590	340	2	is	be	AUX
inlawrev-3590	340	3	also	also	ADV
inlawrev-3590	340	4	uncompelling	uncompelling	ADJ
inlawrev-3590	340	5	that	that	SCONJ
inlawrev-3590	340	6	sears	sears	PROPN
inlawrev-3590	340	7	tower	tower	NOUN
inlawrev-3590	340	8	owners	owner	NOUN
inlawrev-3590	340	9	can	can	AUX
inlawrev-3590	340	10	avoid	avoid	VERB
inlawrev-3590	340	11	any	any	DET
inlawrev-3590	340	12	market	market	NOUN
inlawrev-3590	340	13	penalty	penalty	NOUN
inlawrev-3590	340	14	for	for	ADP
inlawrev-3590	340	15	lax	lax	ADJ
inlawrev-3590	340	16	security	security	NOUN
inlawrev-3590	340	17	because	because	SCONJ
inlawrev-3590	340	18	its	its	PRON
inlawrev-3590	340	19	tenants	tenant	NOUN
inlawrev-3590	340	20	are	be	AUX
inlawrev-3590	340	21	secure	secure	ADJ
inlawrev-3590	340	22	in	in	ADP
inlawrev-3590	340	23	the	the	DET
inlawrev-3590	340	24	knowledge	knowledge	NOUN
inlawrev-3590	340	25	that	that	SCONJ
inlawrev-3590	340	26	their	their	PRON
inlawrev-3590	340	27	decedents	decedent	NOUN
inlawrev-3590	340	28	will	will	AUX
inlawrev-3590	340	29	receive	receive	VERB
inlawrev-3590	340	30	compensation	compensation	NOUN
inlawrev-3590	340	31	for	for	ADP
inlawrev-3590	340	32	their	their	PRON
inlawrev-3590	340	33	deaths	death	NOUN
inlawrev-3590	340	34	.	.	PUNCT
inlawrev-3590	341	1	here	here	ADV
inlawrev-3590	341	2	,	,	PUNCT
inlawrev-3590	341	3	the	the	DET
inlawrev-3590	341	4	moral	moral	ADJ
inlawrev-3590	341	5	hazard	hazard	NOUN
inlawrev-3590	341	6	problem	problem	NOUN
inlawrev-3590	341	7	is	be	AUX
inlawrev-3590	341	8	simply	simply	ADV
inlawrev-3590	341	9	far	far	ADV
inlawrev-3590	341	10	less	less	ADV
inlawrev-3590	341	11	acute	acute	ADJ
inlawrev-3590	341	12	than	than	SCONJ
inlawrev-3590	341	13	it	it	PRON
inlawrev-3590	341	14	is	be	AUX
inlawrev-3590	341	15	when	when	SCONJ
inlawrev-3590	341	16	farmers	farmer	NOUN
inlawrev-3590	341	17	who	who	PRON
inlawrev-3590	341	18	plant	plant	VERB
inlawrev-3590	341	19	their	their	PRON
inlawrev-3590	341	20	crops	crop	NOUN
inlawrev-3590	341	21	near	near	ADP
inlawrev-3590	341	22	a	a	DET
inlawrev-3590	341	23	river	river	NOUN
inlawrev-3590	341	24	that	that	PRON
inlawrev-3590	341	25	regularly	regularly	ADV
inlawrev-3590	341	26	floods	flood	NOUN
inlawrev-3590	341	27	are	be	AUX
inlawrev-3590	341	28	routinely	routinely	ADV
inlawrev-3590	341	29	reimbursed	reimburse	VERB
inlawrev-3590	341	30	for	for	ADP
inlawrev-3590	341	31	their	their	PRON
inlawrev-3590	341	32	losses	loss	NOUN
inlawrev-3590	341	33	.	.	PUNCT
inlawrev-3590	342	1	second	second	ADJ
inlawrev-3590	342	2	,	,	PUNCT
inlawrev-3590	342	3	even	even	ADV
inlawrev-3590	342	4	if	if	SCONJ
inlawrev-3590	342	5	properly	properly	ADV
inlawrev-3590	342	6	priced	price	VERB
inlawrev-3590	342	7	government	government	NOUN
inlawrev-3590	342	8	insurance	insurance	NOUN
inlawrev-3590	342	9	would	would	AUX
inlawrev-3590	342	10	create	create	VERB
inlawrev-3590	342	11	some	some	DET
inlawrev-3590	342	12	valuable	valuable	ADJ
inlawrev-3590	342	13	incentives	incentive	NOUN
inlawrev-3590	342	14	,	,	PUNCT
inlawrev-3590	342	15	there	there	PRON
inlawrev-3590	342	16	is	be	VERB
inlawrev-3590	342	17	little	little	ADJ
inlawrev-3590	342	18	reason	reason	NOUN
inlawrev-3590	342	19	to	to	PART
inlawrev-3590	342	20	expect	expect	VERB
inlawrev-3590	342	21	that	that	SCONJ
inlawrev-3590	342	22	government	government	NOUN
inlawrev-3590	342	23	insurance	insurance	NOUN
inlawrev-3590	342	24	would	would	AUX
inlawrev-3590	342	25	be	be	AUX
inlawrev-3590	342	26	properly	properly	ADV
inlawrev-3590	342	27	priced	price	VERB
inlawrev-3590	342	28	.	.	PUNCT
inlawrev-3590	343	1	the	the	DET
inlawrev-3590	343	2	critics	critic	NOUN
inlawrev-3590	343	3	of	of	ADP
inlawrev-3590	343	4	federal	federal	ADJ
inlawrev-3590	343	5	disaster	disaster	NOUN
inlawrev-3590	343	6	policies	policy	NOUN
inlawrev-3590	343	7	have	have	AUX
inlawrev-3590	343	8	already	already	ADV
inlawrev-3590	343	9	shown	show	VERB
inlawrev-3590	343	10	convincingly	convincingly	ADV
inlawrev-3590	343	11	that	that	SCONJ
inlawrev-3590	343	12	when	when	SCONJ
inlawrev-3590	343	13	the	the	DET
inlawrev-3590	343	14	federal	federal	ADJ
inlawrev-3590	343	15	government	government	NOUN
inlawrev-3590	343	16	becomes	become	VERB
inlawrev-3590	343	17	involved	involve	VERB
inlawrev-3590	343	18	in	in	ADP
inlawrev-3590	343	19	the	the	DET
inlawrev-3590	343	20	sale	sale	NOUN
inlawrev-3590	343	21	of	of	ADP
inlawrev-3590	343	22	insurance	insurance	NOUN
inlawrev-3590	343	23	against	against	ADP
inlawrev-3590	343	24	disasters	disaster	NOUN
inlawrev-3590	343	25	,	,	PUNCT
inlawrev-3590	343	26	it	it	PRON
inlawrev-3590	343	27	does	do	VERB
inlawrev-3590	343	28	little	little	ADJ
inlawrev-3590	343	29	to	to	PART
inlawrev-3590	343	30	classify	classify	VERB
inlawrev-3590	343	31	risks	risk	NOUN
inlawrev-3590	343	32	or	or	CCONJ
inlawrev-3590	343	33	price	price	NOUN
inlawrev-3590	343	34	policies	policy	NOUN
inlawrev-3590	343	35	in	in	ADP
inlawrev-3590	343	36	an	an	DET
inlawrev-3590	343	37	actuarially	actuarially	ADV
inlawrev-3590	343	38	sound	sound	ADJ
inlawrev-3590	343	39	fashion	fashion	NOUN
inlawrev-3590	343	40	.	.	PUNCT
inlawrev-3590	344	1	to	to	ADP
inlawrev-3590	344	2	the	the	DET
inlawrev-3590	344	3	contrary	contrary	NOUN
inlawrev-3590	344	4	,	,	PUNCT
inlawrev-3590	344	5	policies	policy	NOUN
inlawrev-3590	344	6	are	be	AUX
inlawrev-3590	344	7	typically	typically	ADV
inlawrev-3590	344	8	subsidized	subsidize	VERB
inlawrev-3590	344	9	and	and	CCONJ
inlawrev-3590	344	10	lacking	lack	VERB
inlawrev-3590	344	11	in	in	ADP
inlawrev-3590	344	12	experience	experience	NOUN
inlawrev-3590	344	13	-	-	PUNCT
inlawrev-3590	344	14	related	relate	VERB
inlawrev-3590	344	15	pricing	pricing	NOUN
inlawrev-3590	344	16	.	.	PUNCT
inlawrev-3590	345	1	moreover	moreover	ADV
inlawrev-3590	345	2	,	,	PUNCT
inlawrev-3590	345	3	legislators	legislator	NOUN
inlawrev-3590	345	4	can	can	AUX
inlawrev-3590	345	5	not	not	PART
inlawrev-3590	345	6	resist	resist	VERB
inlawrev-3590	345	7	the	the	DET
inlawrev-3590	345	8	urge	urge	NOUN
inlawrev-3590	345	9	to	to	PART
inlawrev-3590	345	10	aid	aid	VERB
inlawrev-3590	345	11	disaster	disaster	NOUN
inlawrev-3590	345	12	victims	victim	NOUN
inlawrev-3590	345	13	who	who	PRON
inlawrev-3590	345	14	prove	prove	VERB
inlawrev-3590	345	15	to	to	PART
inlawrev-3590	345	16	be	be	AUX
inlawrev-3590	345	17	uninsured	uninsured	ADJ
inlawrev-3590	345	18	after	after	ADP
inlawrev-3590	345	19	the	the	DET
inlawrev-3590	345	20	fact	fact	NOUN
inlawrev-3590	345	21	,	,	PUNCT
inlawrev-3590	345	22	so	so	ADV
inlawrev-3590	345	23	rational	rational	ADJ
inlawrev-3590	345	24	,	,	PUNCT
inlawrev-3590	345	25	potential	potential	ADJ
inlawrev-3590	345	26	insureds	insured	NOUN
inlawrev-3590	345	27	may	may	AUX
inlawrev-3590	345	28	decline	decline	VERB
inlawrev-3590	345	29	to	to	PART
inlawrev-3590	345	30	purchase	purchase	VERB
inlawrev-3590	345	31	insurance	insurance	NOUN
inlawrev-3590	345	32	despite	despite	SCONJ
inlawrev-3590	345	33	subsidized	subsidize	VERB
inlawrev-3590	345	34	premiums.^^	premiums.^^	NOUN
inlawrev-3590	345	35	in	in	ADP
inlawrev-3590	345	36	light	light	NOUN
inlawrev-3590	345	37	of	of	ADP
inlawrev-3590	345	38	this	this	DET
inlawrev-3590	345	39	experience	experience	NOUN
inlawrev-3590	345	40	,	,	PUNCT
inlawrev-3590	345	41	is	be	AUX
inlawrev-3590	345	42	there	there	PRON
inlawrev-3590	345	43	any	any	DET
inlawrev-3590	345	44	reason	reason	NOUN
inlawrev-3590	345	45	to	to	PART
inlawrev-3590	345	46	think	think	VERB
inlawrev-3590	345	47	that	that	SCONJ
inlawrev-3590	345	48	government	government	NOUN
inlawrev-3590	345	49	terrorism	terrorism	NOUN
inlawrev-3590	345	50	coverage	coverage	NOUN
inlawrev-3590	345	51	would	would	AUX
inlawrev-3590	345	52	be	be	AUX
inlawrev-3590	345	53	priced	price	VERB
inlawrev-3590	345	54	in	in	ADP
inlawrev-3590	345	55	a	a	DET
inlawrev-3590	345	56	way	way	NOUN
inlawrev-3590	345	57	that	that	PRON
inlawrev-3590	345	58	generated	generate	VERB
inlawrev-3590	345	59	useftil	useftil	ADP
inlawrev-3590	345	60	precautions	precaution	NOUN
inlawrev-3590	345	61	against	against	ADP
inlawrev-3590	345	62	terror	terror	NOUN
inlawrev-3590	345	63	?	?	PUNCT
inlawrev-3590	346	1	indeed	indeed	ADV
inlawrev-3590	346	2	,	,	PUNCT
inlawrev-3590	346	3	the	the	DET
inlawrev-3590	346	4	terrorism	terrorism	NOUN
inlawrev-3590	346	5	risk	risk	NOUN
inlawrev-3590	346	6	insurance	insurance	NOUN
inlawrev-3590	346	7	act	act	NOUN
inlawrev-3590	346	8	of	of	ADP
inlawrev-3590	346	9	2002	2002	NUM
inlawrev-3590	346	10	provides	provide	VERB
inlawrev-3590	346	11	for	for	ADP
inlawrev-3590	346	12	federal	federal	ADJ
inlawrev-3590	346	13	reinsurance	reinsurance	NOUN
inlawrev-3590	346	14	free	free	ADJ
inlawrev-3590	346	15	of	of	ADP
inlawrev-3590	346	16	charge	charge	NOUN
inlawrev-3590	346	17	.	.	PUNCT
inlawrev-3590	347	1	a	a	DET
inlawrev-3590	347	2	second	second	ADJ
inlawrev-3590	347	3	possible	possible	ADJ
inlawrev-3590	347	4	argument	argument	NOUN
inlawrev-3590	347	5	for	for	ADP
inlawrev-3590	347	6	government	government	NOUN
inlawrev-3590	347	7	sale	sale	NOUN
inlawrev-3590	347	8	ofex	ofex	NOUN
inlawrev-3590	347	9	ante	ante	NOUN
inlawrev-3590	347	10	insurance	insurance	NOUN
inlawrev-3590	347	11	in	in	ADP
inlawrev-3590	347	12	lieu	lieu	NOUN
inlawrev-3590	347	13	of	of	ADP
inlawrev-3590	347	14	government	government	NOUN
inlawrev-3590	347	15	ex	ex	X
inlawrev-3590	347	16	post	post	NOUN
inlawrev-3590	347	17	aid	aid	NOUN
inlawrev-3590	347	18	is	be	AUX
inlawrev-3590	347	19	that	that	SCONJ
inlawrev-3590	347	20	even	even	ADV
inlawrev-3590	347	21	if	if	SCONJ
inlawrev-3590	347	22	premiums	premium	NOUN
inlawrev-3590	347	23	would	would	AUX
inlawrev-3590	347	24	bear	bear	VERB
inlawrev-3590	347	25	little	little	ADJ
inlawrev-3590	347	26	relation	relation	NOUN
inlawrev-3590	347	27	to	to	ADP
inlawrev-3590	347	28	those	those	PRON
inlawrev-3590	347	29	that	that	PRON
inlawrev-3590	347	30	an	an	DET
inlawrev-3590	347	31	insurance	insurance	NOUN
inlawrev-3590	347	32	industry	industry	NOUN
inlawrev-3590	347	33	actuary	actuary	NOUN
inlawrev-3590	347	34	would	would	AUX
inlawrev-3590	347	35	set	set	VERB
inlawrev-3590	347	36	,	,	PUNCT
inlawrev-3590	347	37	accumulated	accumulate	VERB
inlawrev-3590	347	38	premiums	premium	NOUN
inlawrev-3590	347	39	could	could	AUX
inlawrev-3590	347	40	create	create	VERB
inlawrev-3590	347	41	a	a	DET
inlawrev-3590	347	42	sizable	sizable	ADJ
inlawrev-3590	347	43	fund	fund	NOUN
inlawrev-3590	347	44	that	that	PRON
inlawrev-3590	347	45	could	could	AUX
inlawrev-3590	347	46	be	be	AUX
inlawrev-3590	347	47	used	use	VERB
inlawrev-3590	347	48	to	to	PART
inlawrev-3590	347	49	finance	finance	VERB
inlawrev-3590	347	50	aid	aid	NOUN
inlawrev-3590	347	51	to	to	ADP
inlawrev-3590	347	52	victims	victim	NOUN
inlawrev-3590	347	53	.	.	PUNCT
inlawrev-3590	348	1	this	this	DET
inlawrev-3590	348	2	argument	argument	NOUN
inlawrev-3590	348	3	,	,	PUNCT
inlawrev-3590	348	4	too	too	ADV
inlawrev-3590	348	5	,	,	PUNCT
inlawrev-3590	348	6	seems	seem	VERB
inlawrev-3590	348	7	unconvincing	unconvincing	ADJ
inlawrev-3590	348	8	.	.	PUNCT
inlawrev-3590	349	1	special	special	ADJ
inlawrev-3590	349	2	government	government	NOUN
inlawrev-3590	349	3	funds	fund	NOUN
inlawrev-3590	349	4	are	be	AUX
inlawrev-3590	349	5	fungible	fungible	ADJ
inlawrev-3590	349	6	with	with	ADP
inlawrev-3590	349	7	general	general	ADJ
inlawrev-3590	349	8	revenues	revenue	NOUN
inlawrev-3590	349	9	(	(	PUNCT
inlawrev-3590	349	10	remember	remember	VERB
inlawrev-3590	349	11	the	the	DET
inlawrev-3590	349	12	social	social	ADJ
inlawrev-3590	349	13	security	security	NOUN
inlawrev-3590	349	14	"	"	PUNCT
inlawrev-3590	349	15	lock	lock	NOUN
inlawrev-3590	349	16	box	box	NOUN
inlawrev-3590	349	17	"	"	PUNCT
inlawrev-3590	349	18	?	?	PUNCT
inlawrev-3590	349	19	)	)	PUNCT
inlawrev-3590	349	20	.	.	PUNCT
inlawrev-3590	350	1	there	there	PRON
inlawrev-3590	350	2	is	be	VERB
inlawrev-3590	350	3	little	little	ADJ
inlawrev-3590	350	4	reason	reason	NOUN
inlawrev-3590	350	5	to	to	PART
inlawrev-3590	350	6	think	think	VERB
inlawrev-3590	350	7	that	that	SCONJ
inlawrev-3590	350	8	any	any	DET
inlawrev-3590	350	9	such	such	ADJ
inlawrev-3590	350	10	fund	fund	NOUN
inlawrev-3590	350	11	to	to	PART
inlawrev-3590	350	12	aid	aid	VERB
inlawrev-3590	350	13	terror	terror	NOUN
inlawrev-3590	350	14	victims	victim	NOUN
inlawrev-3590	350	15	would	would	AUX
inlawrev-3590	350	16	be	be	AUX
inlawrev-3590	350	17	segregated	segregate	VERB
inlawrev-3590	350	18	for	for	ADP
inlawrev-3590	350	19	the	the	DET
inlawrev-3590	350	20	purpose	purpose	NOUN
inlawrev-3590	350	21	that	that	SCONJ
inlawrev-3590	350	22	it	it	PRON
inlawrev-3590	350	23	ostensibly	ostensibly	ADV
inlawrev-3590	350	24	serves	serve	VERB
inlawrev-3590	350	25	.	.	PUNCT
inlawrev-3590	351	1	there	there	PRON
inlawrev-3590	351	2	is	be	VERB
inlawrev-3590	351	3	also	also	ADV
inlawrev-3590	351	4	little	little	ADJ
inlawrev-3590	351	5	reason	reason	NOUN
inlawrev-3590	351	6	to	to	PART
inlawrev-3590	351	7	think	think	VERB
inlawrev-3590	351	8	that	that	SCONJ
inlawrev-3590	351	9	a	a	DET
inlawrev-3590	351	10	segregated	segregated	ADJ
inlawrev-3590	351	11	fund	fund	NOUN
inlawrev-3590	351	12	is	be	AUX
inlawrev-3590	351	13	necessary	necessary	ADJ
inlawrev-3590	351	14	in	in	ADP
inlawrev-3590	351	15	any	any	DET
inlawrev-3590	351	16	event	event	NOUN
inlawrev-3590	351	17	.	.	PUNCT
inlawrev-3590	352	1	ifthe	ifthe	PROPN
inlawrev-3590	352	2	government	government	PROPN
inlawrev-3590	352	3	needs	need	VERB
inlawrev-3590	352	4	a	a	DET
inlawrev-3590	352	5	special	special	ADJ
inlawrev-3590	352	6	reserve	reserve	NOUN
inlawrev-3590	352	7	fund	fund	NOUN
inlawrev-3590	352	8	to	to	PART
inlawrev-3590	352	9	aid	aid	VERB
inlawrev-3590	352	10	terror	terror	NOUN
inlawrev-3590	352	11	victims	victim	NOUN
inlawrev-3590	352	12	,	,	PUNCT
inlawrev-3590	352	13	why	why	SCONJ
inlawrev-3590	352	14	not	not	PART
inlawrev-3590	352	15	one	one	NUM
inlawrev-3590	352	16	to	to	PART
inlawrev-3590	352	17	finance	finance	VERB
inlawrev-3590	352	18	wars	war	NOUN
inlawrev-3590	352	19	or	or	CCONJ
inlawrev-3590	352	20	to	to	PART
inlawrev-3590	352	21	cover	cover	VERB
inlawrev-3590	352	22	expenditures	expenditure	NOUN
inlawrev-3590	352	23	during	during	ADP
inlawrev-3590	352	24	a	a	DET
inlawrev-3590	352	25	severe	severe	ADJ
inlawrev-3590	352	26	recession	recession	NOUN
inlawrev-3590	352	27	?	?	PUNCT
inlawrev-3590	353	1	further	far	ADV
inlawrev-3590	353	2	,	,	PUNCT
inlawrev-3590	353	3	if	if	SCONJ
inlawrev-3590	353	4	a	a	DET
inlawrev-3590	353	5	fund	fund	NOUN
inlawrev-3590	353	6	is	be	AUX
inlawrev-3590	353	7	somehow	somehow	ADV
inlawrev-3590	353	8	needed	need	VERB
inlawrev-3590	353	9	,	,	PUNCT
inlawrev-3590	353	10	what	what	PRON
inlawrev-3590	353	11	is	be	AUX
inlawrev-3590	353	12	the	the	DET
inlawrev-3590	353	13	advantage	advantage	NOUN
inlawrev-3590	353	14	of	of	ADP
inlawrev-3590	353	15	accumulating	accumulate	VERB
inlawrev-3590	353	16	reserves	reserve	NOUN
inlawrev-3590	353	17	through	through	ADP
inlawrev-3590	353	18	insurance	insurance	NOUN
inlawrev-3590	353	19	premiums	premium	NOUN
inlawrev-3590	353	20	rather	rather	ADV
inlawrev-3590	353	21	than	than	ADP
inlawrev-3590	353	22	general	general	ADJ
inlawrev-3590	353	23	taxation	taxation	NOUN
inlawrev-3590	353	24	?	?	PUNCT
inlawrev-3590	354	1	we	we	PRON
inlawrev-3590	354	2	have	have	AUX
inlawrev-3590	354	3	already	already	ADV
inlawrev-3590	354	4	disposed	dispose	VERB
inlawrev-3590	354	5	of	of	ADP
inlawrev-3590	354	6	the	the	DET
inlawrev-3590	354	7	notion	notion	NOUN
inlawrev-3590	354	8	that	that	SCONJ
inlawrev-3590	354	9	insurance	insurance	NOUN
inlawrev-3590	354	10	premiums	premium	NOUN
inlawrev-3590	354	11	are	be	AUX
inlawrev-3590	354	12	likely	likely	ADJ
inlawrev-3590	354	13	to	to	PART
inlawrev-3590	354	14	create	create	VERB
inlawrev-3590	354	15	valuable	valuable	ADJ
inlawrev-3590	354	16	incentives	incentive	NOUN
inlawrev-3590	354	17	,	,	PUNCT
inlawrev-3590	354	18	and	and	CCONJ
inlawrev-3590	354	19	we	we	PRON
inlawrev-3590	354	20	are	be	AUX
inlawrev-3590	354	21	not	not	PART
inlawrev-3590	354	22	aware	aware	ADJ
inlawrev-3590	354	23	of	of	ADP
inlawrev-3590	354	24	any	any	DET
inlawrev-3590	354	25	other	other	ADJ
inlawrev-3590	354	26	potential	potential	ADJ
inlawrev-3590	354	27	advantage	advantage	NOUN
inlawrev-3590	354	28	to	to	ADP
inlawrev-3590	354	29	them	they	PRON
inlawrev-3590	354	30	.	.	PUNCT
inlawrev-3590	355	1	the	the	DET
inlawrev-3590	355	2	notion	notion	NOUN
inlawrev-3590	355	3	that	that	SCONJ
inlawrev-3590	355	4	it	it	PRON
inlawrev-3590	355	5	is	be	AUX
inlawrev-3590	355	6	more	more	ADV
inlawrev-3590	355	7	equitable	equitable	ADJ
inlawrev-3590	355	8	for	for	ADP
inlawrev-3590	355	9	potential	potential	ADJ
inlawrev-3590	355	10	terror	terror	NOUN
inlawrev-3590	355	11	36	36	NUM
inlawrev-3590	355	12	.	.	PUNCT
inlawrev-3590	356	1	see	see	VERB
inlawrev-3590	356	2	harrington	harrington	PROPN
inlawrev-3590	356	3	,	,	PUNCT
inlawrev-3590	356	4	supra	supra	PROPN
inlawrev-3590	356	5	note	note	PROPN
inlawrev-3590	356	6	34	34	NUM
inlawrev-3590	356	7	,	,	PUNCT
inlawrev-3590	356	8	at	at	ADP
inlawrev-3590	356	9	44	44	NUM
inlawrev-3590	356	10	;	;	PUNCT
inlawrev-3590	356	11	moss	moss	NOUN
inlawrev-3590	356	12	,	,	PUNCT
inlawrev-3590	356	13	supra	supra	PROPN
inlawrev-3590	356	14	note	note	NOUN
inlawrev-3590	356	15	12	12	NUM
inlawrev-3590	356	16	,	,	PUNCT
inlawrev-3590	356	17	at	at	ADP
inlawrev-3590	356	18	343	343	NUM
inlawrev-3590	356	19	-	-	SYM
inlawrev-3590	356	20	44	44	NUM
inlawrev-3590	356	21	;	;	PUNCT
inlawrev-3590	356	22	priest	priest	NOUN
inlawrev-3590	356	23	,	,	PUNCT
inlawrev-3590	356	24	supra	supra	PROPN
inlawrev-3590	356	25	note	note	VERB
inlawrev-3590	356	26	34	34	NUM
inlawrev-3590	356	27	.	.	PUNCT
inlawrev-3590	356	28	2003	2003	NUM
inlawrev-3590	356	29	]	]	PUNCT
inlawrev-3590	356	30	terrorism	terrorism	NOUN
inlawrev-3590	356	31	and	and	CCONJ
inlawrev-3590	356	32	insurance	insurance	NOUN
inlawrev-3590	356	33	markets	market	NOUN
inlawrev-3590	356	34	463	463	NUM
inlawrev-3590	356	35	victims	victim	NOUN
inlawrev-3590	356	36	to	to	PART
inlawrev-3590	356	37	contribute	contribute	VERB
inlawrev-3590	356	38	disproportionately	disproportionately	ADV
inlawrev-3590	356	39	to	to	ADP
inlawrev-3590	356	40	the	the	DET
inlawrev-3590	356	41	fund	fund	NOUN
inlawrev-3590	356	42	through	through	ADP
inlawrev-3590	356	43	insurance	insurance	NOUN
inlawrev-3590	356	44	premiums	premium	NOUN
inlawrev-3590	356	45	offers	offer	VERB
inlawrev-3590	356	46	a	a	DET
inlawrev-3590	356	47	possible	possible	ADJ
inlawrev-3590	356	48	argument	argument	NOUN
inlawrev-3590	356	49	,	,	PUNCT
inlawrev-3590	356	50	but	but	CCONJ
inlawrev-3590	356	51	a	a	DET
inlawrev-3590	356	52	weak	weak	ADJ
inlawrev-3590	356	53	one	one	NUM
inlawrev-3590	356	54	at	at	ADP
inlawrev-3590	356	55	best	well	ADV
inlawrev-3590	356	56	,	,	PUNCT
inlawrev-3590	356	57	especially	especially	ADV
inlawrev-3590	356	58	given	give	VERB
inlawrev-3590	356	59	that	that	SCONJ
inlawrev-3590	356	60	such	such	ADJ
inlawrev-3590	356	61	individuals	individual	NOUN
inlawrev-3590	356	62	and	and	CCONJ
inlawrev-3590	356	63	companies	company	NOUN
inlawrev-3590	356	64	may	may	AUX
inlawrev-3590	356	65	well	well	ADV
inlawrev-3590	356	66	contribute	contribute	VERB
inlawrev-3590	356	67	disproportionately	disproportionately	ADV
inlawrev-3590	356	68	to	to	ADP
inlawrev-3590	356	69	tax	tax	NOUN
inlawrev-3590	356	70	revenues	revenue	NOUN
inlawrev-3590	356	71	already	already	ADV
inlawrev-3590	356	72	.	.	PUNCT
inlawrev-3590	357	1	even	even	ADV
inlawrev-3590	357	2	if	if	SCONJ
inlawrev-3590	357	3	government	government	NOUN
inlawrev-3590	357	4	should	should	AUX
inlawrev-3590	357	5	not	not	PART
inlawrev-3590	357	6	enter	enter	VERB
inlawrev-3590	357	7	into	into	ADP
inlawrev-3590	357	8	the	the	DET
inlawrev-3590	357	9	provision	provision	NOUN
inlawrev-3590	357	10	of	of	ADP
inlawrev-3590	357	11	terrorism	terrorism	NOUN
inlawrev-3590	357	12	insurance	insurance	NOUN
inlawrev-3590	357	13	,	,	PUNCT
inlawrev-3590	357	14	other	other	ADJ
inlawrev-3590	357	15	policy	policy	NOUN
inlawrev-3590	357	16	changes	change	NOUN
inlawrev-3590	357	17	might	might	AUX
inlawrev-3590	357	18	be	be	AUX
inlawrev-3590	357	19	constructive	constructive	ADJ
inlawrev-3590	357	20	.	.	PUNCT
inlawrev-3590	358	1	it	it	PRON
inlawrev-3590	358	2	has	have	AUX
inlawrev-3590	358	3	long	long	ADV
inlawrev-3590	358	4	been	be	AUX
inlawrev-3590	358	5	recognized	recognize	VERB
inlawrev-3590	358	6	that	that	SCONJ
inlawrev-3590	358	7	the	the	DET
inlawrev-3590	358	8	tax	tax	NOUN
inlawrev-3590	358	9	treatment	treatment	NOUN
inlawrev-3590	358	10	of	of	ADP
inlawrev-3590	358	11	insurance	insurance	NOUN
inlawrev-3590	358	12	reserves	reserve	NOUN
inlawrev-3590	358	13	against	against	ADP
inlawrev-3590	358	14	catastrophic	catastrophic	ADJ
inlawrev-3590	358	15	loss	loss	NOUN
inlawrev-3590	358	16	(	(	PUNCT
inlawrev-3590	358	17	income	income	NOUN
inlawrev-3590	358	18	is	be	AUX
inlawrev-3590	358	19	taxed	tax	VERB
inlawrev-3590	358	20	as	as	SCONJ
inlawrev-3590	358	21	it	it	PRON
inlawrev-3590	358	22	accumulates	accumulate	VERB
inlawrev-3590	358	23	)	)	PUNCT
inlawrev-3590	358	24	forces	force	NOUN
inlawrev-3590	358	25	premiums	premium	NOUN
inlawrev-3590	358	26	higher	high	ADJ
inlawrev-3590	358	27	and	and	CCONJ
inlawrev-3590	358	28	reduces	reduce	VERB
inlawrev-3590	358	29	private	private	ADJ
inlawrev-3590	358	30	coverage	coverage	NOUN
inlawrev-3590	358	31	.	.	PUNCT
inlawrev-3590	359	1	other	other	ADJ
inlawrev-3590	359	2	writers	writer	NOUN
inlawrev-3590	359	3	have	have	AUX
inlawrev-3590	359	4	urged	urge	VERB
inlawrev-3590	359	5	reconsideration	reconsideration	NOUN
inlawrev-3590	359	6	of	of	ADP
inlawrev-3590	359	7	this	this	DET
inlawrev-3590	359	8	policy.^^	policy.^^	NOUN
inlawrev-3590	359	9	similarly	similarly	ADV
inlawrev-3590	359	10	,	,	PUNCT
inlawrev-3590	359	11	we	we	PRON
inlawrev-3590	359	12	do	do	AUX
inlawrev-3590	359	13	not	not	PART
inlawrev-3590	359	14	rule	rule	VERB
inlawrev-3590	359	15	out	out	ADP
inlawrev-3590	359	16	the	the	DET
inlawrev-3590	359	17	possibility	possibility	NOUN
inlawrev-3590	359	18	that	that	SCONJ
inlawrev-3590	359	19	government	government	NOUN
inlawrev-3590	359	20	might	might	AUX
inlawrev-3590	359	21	somehow	somehow	ADV
inlawrev-3590	359	22	aid	aid	VERB
inlawrev-3590	359	23	in	in	ADP
inlawrev-3590	359	24	promoting	promote	VERB
inlawrev-3590	359	25	(	(	PUNCT
inlawrev-3590	359	26	or	or	CCONJ
inlawrev-3590	359	27	not	not	PART
inlawrev-3590	359	28	impeding	impede	VERB
inlawrev-3590	359	29	)	)	PUNCT
inlawrev-3590	359	30	alternative	alternative	ADJ
inlawrev-3590	359	31	private	private	ADJ
inlawrev-3590	359	32	instruments	instrument	NOUN
inlawrev-3590	359	33	for	for	ADP
inlawrev-3590	359	34	laying	lay	VERB
inlawrev-3590	359	35	off	off	ADP
inlawrev-3590	359	36	terrorism	terrorism	NOUN
inlawrev-3590	359	37	risks	risk	NOUN
inlawrev-3590	359	38	in	in	ADP
inlawrev-3590	359	39	the	the	DET
inlawrev-3590	359	40	capital	capital	NOUN
inlawrev-3590	359	41	markets	market	NOUN
inlawrev-3590	359	42	,	,	PUNCT
inlawrev-3590	359	43	such	such	ADJ
inlawrev-3590	359	44	as	as	ADP
inlawrev-3590	359	45	catastrophe	catastrophe	NOUN
inlawrev-3590	359	46	bonds	bond	NOUN
inlawrev-3590	359	47	and	and	CCONJ
inlawrev-3590	359	48	futures	future	NOUN
inlawrev-3590	359	49	.	.	PUNCT
inlawrev-3590	360	1	but	but	CCONJ
inlawrev-3590	360	2	for	for	ADP
inlawrev-3590	360	3	the	the	DET
inlawrev-3590	360	4	reasons	reason	NOUN
inlawrev-3590	360	5	given	give	VERB
inlawrev-3590	360	6	here	here	ADV
inlawrev-3590	360	7	,	,	PUNCT
inlawrev-3590	360	8	long	long	ADJ
inlawrev-3590	360	9	-	-	PUNCT
inlawrev-3590	360	10	term	term	NOUN
inlawrev-3590	360	11	government	government	NOUN
inlawrev-3590	360	12	entry	entry	NOUN
inlawrev-3590	360	13	into	into	ADP
inlawrev-3590	360	14	the	the	DET
inlawrev-3590	360	15	market	market	NOUN
inlawrev-3590	360	16	for	for	ADP
inlawrev-3590	360	17	privately	privately	ADV
inlawrev-3590	360	18	uninsurable	uninsurable	ADJ
inlawrev-3590	360	19	terrorism	terrorism	NOUN
inlawrev-3590	360	20	risks	risk	NOUN
inlawrev-3590	360	21	seems	seem	VERB
inlawrev-3590	360	22	ill	ill	ADV
inlawrev-3590	360	23	-	-	PUNCT
inlawrev-3590	360	24	advised	advise	VERB
inlawrev-3590	360	25	.	.	PUNCT
inlawrev-3590	361	1	conclusion	conclusion	NOUN
inlawrev-3590	361	2	for	for	ADP
inlawrev-3590	361	3	the	the	DET
inlawrev-3590	361	4	reasons	reason	NOUN
inlawrev-3590	361	5	developed	develop	VERB
inlawrev-3590	361	6	above	above	ADV
inlawrev-3590	361	7	,	,	PUNCT
inlawrev-3590	361	8	the	the	DET
inlawrev-3590	361	9	case	case	NOUN
inlawrev-3590	361	10	for	for	ADP
inlawrev-3590	361	11	more	more	ADV
inlawrev-3590	361	12	widespread	widespread	ADJ
inlawrev-3590	361	13	government	government	NOUN
inlawrev-3590	361	14	participation	participation	NOUN
inlawrev-3590	361	15	in	in	ADP
inlawrev-3590	361	16	the	the	DET
inlawrev-3590	361	17	market	market	NOUN
inlawrev-3590	361	18	for	for	ADP
inlawrev-3590	361	19	terrorism	terrorism	NOUN
inlawrev-3590	361	20	insurance	insurance	NOUN
inlawrev-3590	361	21	seems	seem	VERB
inlawrev-3590	361	22	a	a	DET
inlawrev-3590	361	23	weak	weak	ADJ
inlawrev-3590	361	24	one	one	NUM
inlawrev-3590	361	25	.	.	PUNCT
inlawrev-3590	362	1	insurers	insurer	NOUN
inlawrev-3590	362	2	and	and	CCONJ
inlawrev-3590	362	3	insureds	insured	NOUN
inlawrev-3590	362	4	are	be	AUX
inlawrev-3590	362	5	already	already	ADV
inlawrev-3590	362	6	adjusting	adjust	VERB
inlawrev-3590	362	7	to	to	ADP
inlawrev-3590	362	8	the	the	DET
inlawrev-3590	362	9	post	post	NOUN
inlawrev-3590	362	10	-	-	PROPN
inlawrev-3590	362	11	september	september	PROPN
inlawrev-3590	362	12	1	1	NUM
inlawrev-3590	362	13	1	1	NUM
inlawrev-3590	362	14	environment	environment	NOUN
inlawrev-3590	362	15	.	.	PUNCT
inlawrev-3590	363	1	we	we	PRON
inlawrev-3590	363	2	fear	fear	VERB
inlawrev-3590	363	3	that	that	SCONJ
inlawrev-3590	363	4	government	government	NOUN
inlawrev-3590	363	5	involvement	involvement	NOUN
inlawrev-3590	363	6	will	will	AUX
inlawrev-3590	363	7	prove	prove	VERB
inlawrev-3590	363	8	at	at	ADP
inlawrev-3590	363	9	best	well	ADV
inlawrev-3590	363	10	unnecessary	unnecessary	ADJ
inlawrev-3590	363	11	and	and	CCONJ
inlawrev-3590	363	12	at	at	ADP
inlawrev-3590	363	13	worst	bad	ADJ
inlawrev-3590	363	14	a	a	DET
inlawrev-3590	363	15	source	source	NOUN
inlawrev-3590	363	16	of	of	ADP
inlawrev-3590	363	17	serious	serious	ADJ
inlawrev-3590	363	18	long	long	ADJ
inlawrev-3590	363	19	-	-	PUNCT
inlawrev-3590	363	20	term	term	NOUN
inlawrev-3590	363	21	distortions	distortion	NOUN
inlawrev-3590	363	22	of	of	ADP
inlawrev-3590	363	23	the	the	DET
inlawrev-3590	363	24	market	market	NOUN
inlawrev-3590	363	25	place	place	NOUN
inlawrev-3590	363	26	.	.	PUNCT
inlawrev-3590	364	1	37	37	X
inlawrev-3590	364	2	.	.	PUNCT
inlawrev-3590	365	1	see	see	VERB
inlawrev-3590	365	2	harrington	harrington	PROPN
inlawrev-3590	365	3	,	,	PUNCT
inlawrev-3590	365	4	supra	supra	PROPN
inlawrev-3590	365	5	note	note	PROPN
inlawrev-3590	365	6	34	34	NUM
inlawrev-3590	365	7	,	,	PUNCT
inlawrev-3590	365	8	at	at	ADP
inlawrev-3590	365	9	42	42	NUM
inlawrev-3590	365	10	.	.	PUNCT