The crisis : a long time coming
How the industry got where it is : a rogues' gallery
How the industry got where it is today : unpaid claims and the storm after Hurricane Katrina
How the industry got where it is today : foreign takeovers, unregulated reinsurers, insurer and claimant fraud
The view from outside : a report card on state regulation
Trends : the next decade
The public uproar and a crescendo of distrust
Fifty nonuniform state fiefdoms
Winds of change: how to improve the industry
The solution : UFOIL : a two-step process of consumerization and federalization.