In a __________ market, the profitability of insurance industry is improving. Insurance companies will loosen their underwriting standards. It is easy to obtain insurance and premium is inexpensive. As such, the risk manager may decide to retain less of a given loss exposure and increase the amount of insurance purchased.

In a  __________ market, the profitability of insurance industry is improving. Insurance companies will loosen their underwriting standards. It is easy to obtain insurance and premium is inexpensive. As such, the risk manager may decide to retain less of a given loss exposure and increase the amount of insurance purchased.
 
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