For many years the American insurance industry, sometimes dubbed the nation's "invisible banker," has enjoyed virtual freedom from federal antitrust regulation and protection from competition with banks and savings and loan associations. State regulation has often proved meaningless. Now, however, as the valuable study makes clear, the complacencies of the past are quickly vanishing, to be replaced by a growing consumer demand for accountability. Such issues as bank deregulation and unisex insurance have forced insurance companies to rethink many of their traditional approaches in order to...

No method of science or magic has been found that can predict the future with accuracy. Aside from the assertions of self-proclaimed psychics and astrologers, the only predictor of the future may be the past. Using the Toynbee-Quigley method of applying the history of past civilizations to predict the future of the current one, Douglas Caddy in "Exploring America's Future" discusses events and trends of the past few decades and relates them to probable future outcomes.
Some analysts have looked at the trends and predicted "doomsday," as Malthus did, while others have studied the same data...