On a good day, predicting the path of the property/casualty market is a tough task. Since the dawn of the new millennium, most efforts at prognostication have been frustrated by unanticipated events like Sep 11 and the ongoing threat of terrorist attacks, a wave of killer storms, and a growing energy crisis, to name just a few. That being said, however, it is still possible to examine current market trends and essay an informed look into the future. That is what happened at the Academy Forum hosted in March by The National Alliance for Insurance Education and Research at its MEGA educational event. At the recent Forum, five representatives of key industry segments shared their experience and insights into the current commercial lines market, which so stubbornly defies easy characterization. For many years, the measure of an agency's success was premiums, and now it is revenue. In the near future, agencies will measure themselves on profit, not on premiums or revenue.

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