Tom is in Boston today ("For once, working at home," he says.) He is speaking to the Target Markets Program Administrators Association. These are the mostly independent administrators/quarterbacks for specialty insurance products—for school districts, construction companies, etc. As he says, "I'm in hog heaven—I believe wholeheartedly in the power of modest-sized specialists to dominate their niche. The Great German Export Engine, the 'Mittelstand,' which I have studied in depth, consists of excellent mid-sized specialists, described by one expert as 'agile creatures darting between the legs of multi-national monsters.' "
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