Have you been hearing those rumblings lately about the economy improving? Just take a look at the performance of the Dow in recent months and you might almost believe them.  

Then again, take a look at the unemployment rate in our nation and you know that someone is suffering from a serious case of irrational exuberance. In fact, the unemployment rate (9.8%) continued its upward trend in September, the U.S. Bureau of Labor Statistics reports on its Web site. And with fewer workers spending less money in general, insurers, as well as other types of companies, are still determined to save their own dollars wherever they can.  

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