The 2008 financial crisis continues to have a ripple effect in the US. It has reshaped financial regulation and policy in a significant way, and more importantly, its effects continue to be felt by the real economy. Businesses and individuals attitude toward the financial sector, toward banking, toward investment, toward housing, and toward risk have been fundamentally changed. I think it is fair to say that people do not link the last crisis with the insurance sector, outside of the vague notion that AIG was an insurer of some kind, but there is no question that all financial institutions including insurers are being looked at from a new, more skeptical perspective by customers, regulators, and public policy makers alike.