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      Applications used in replace bathtub drain flange furniture production date as far back as the art deco period. When they have made the circuit of the table, the croupier again shuffles, and, having done so, offers the cards to the player on his left, who cuts. These cycles are particularly important in the insurance and re-insurance industry as they are especially unpredictable. Lloyd's of London research in 2006 revealed, for the second year running, that Lloyd’s underwriters see managing the insurance cycle as the top challenge for the insurance industry, and nearly two-thirds believe that the industry at large is not doing enough to respond to the challenge[2]. The Insurance Cycle afffects all areas of insurance except life insurance, where there is enough data and a large base of similar risks (i.e