One of the most frightening aspects of the financial services meltdown is that it may well happen again. Indeed, a new paper from Society of Actuaries (SOA) and the Joint Risk Management Section says a focus a widespread embrace of enterprise risk management coupled with regulatory enhancements are needed to avert future crises. 

While using the subprime mortgage crisis as a lens on the financial services meltdown, the paper, "The Financial Crisis and Lessons for Insurers," focuses on risk management in the insurance industry.

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