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  "notes": "The chart shows a clear trend of rate hardening across most segments, with a notable shift in 2019 planning.",
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      "text": "2018 rate hardening particularly strong across open market US & non-US direct property books (≥20%) – much lower rate hardening experienced within binder and reinsurance property books",
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      "text": "Rate hardening expected to result in improved underwriting profitability – aware of no loss making 2019 plans – compared to nearly a third in 2018",
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