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“A pandemic is inevitable.” Those were the opening words of the Lloyd's of London report “Pandemic: Potential insurance impacts” published in May 2008.1 It referred to several pandemics of the past, including the 1918 influenza outbreak, and others of the (then) future.2 The potential threats included a SARS variant albeit the greatest danger was perceived to be from influenza or MRSA. The report then discussed the measures in place to deal with such future pandemics; their consequences for society, the economy and the insurance industry; and concluded:
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