The pace of innovation has been so frenzied in recent years that it's hard to imagine which innovations have had the greatest impact on the business of insurance or on our society. In February, the "Nightly Business Report," the Emmy Award-winning PBS business program, partnered with the Wharton School of Business to ask audience members to identify the "Top 30 Innovations of the Last 30 years." The show's audiences offered more than 1,200 suggestions.

The Internet, of course, topped the list, trouncing laptop computers, cellular phones and ATMs.

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