Insurance is an ever-changing labyrinth of twists and turns that is hard to predict. Legislation, profitability, claims, and litigation are only a small fraction of items that affect the insurance industry on nearly a daily basis. However, let's have a little fun and look into the crystal ball, and try to predict what to expect in the future of insurance for the next twelve months. Keep in mind this is just for fun and these predictions could be totally off base. OK, it's becoming clearer...I'm beginning to see something...