This book represents an amazing collaboration of research that covers topics of Insurance market. Donald Rumsfeld once said: ¿there are known knowns; these are things we know we know. We also know there are known unknowns; that is to say we know there are some things we do not know. But there are also unknown unknowns ¿ the ones we don¿t know we don¿t know. And if one looks throughout the history of our country and other free countries, it is the latter category that tend to be the difficult ones.¿