Dangers lurk, says Roger Crombie, even when the year has been a quiet one. The Bottom Line Magazine is taking a close-up look at risk in the November issue of the magazine.

This leading reinsurance writer analyses the issues that arise when, as he writes: "The Bermuda insurance industry (is) experiencing record earnings, its stocks shining, creativity at its peak, its people acknowledged as among the world's best - so everyone should be happy, right?"

Mr. Crombie investigates the downward pressure insurers are facing in respect to pricing, and the problem of what to do with their capital in his story Insurance: the big issues.

Business editor Jonathan Kent describes this story and others in more detail in a video which can be viewed on The Royal Gazette's website.

To see it, visit our website at: www.theroyalgazette.com.

The Royal Gazette's political reporter Matthew Taylor talked to the Bermuda Employers Council's William DeSilva while he was investigating the issue of manpower on a tiny island where pressure is increasing to hire fewer people from overseas and more Bermudians.

Among the problems that were raised during Mr. Taylor's investigation were that the policies have, in some cases, been aired initially at overseas venues and not at home.

Mr. DeSilva tells The Bottom Line of his concern that Premier Ewart Brown had chosen to disclose his new plans to foreign audiences without first talking to those who would be affected in Bermuda.

His colleague BEC executive director Martin Law said to The Bottom Line: "There aren't too many people who can aspire to positions like the Brian Dupperaults and the Brian O'Haras."

This issue of The Bottom Line Magazine also includes interviews with Phillip Pettersen, who is Towers Perrin's top man, ABIR president and CEO Brad Kading, BA chairman Willie Walsh and BIBA CEO Cheryl Packwood.

And for a light-hearted story about insurance, the Loch Ness Monster, ghosts and extra-terrestrials are among the risks that it is possible to insure against. Jonathan Kent writes about these stranger perils in his story The oddball side of insurance.

Look for your issue of The Bottom Line Magazine in Thursday's Hamilton area Royal Gazette.