Last week the Senate passed the final version of the Dodd-Frank Wall Street Reform bill, preparing the way for the president to sign it into law this week. Over the course of the last 22 months, NAMIC has been participating in the legislative debate that resulted in the 2,300 pages of new law. We have been fighting to ensure that the property/casualty insurance industry was protected from the, at times, irrational exuberance of lawmakers attempting to solve a problem. Now that the final bill has been passed, however, I can comfortably say that I am pleased with the work we have done to navigate through the dangerous political environment of the last couple of years. It was not always easy, nor was it always pretty – legislating is a difficult process. Unfortunately, so is implementation.