We weren’t broke unless people knew we were. That was when I learned the difference between insurance and reinsurance. Insurance companies are big p...werful institutions selling to the public monitored by state agencies with cash and securities in reserve for the payment of claims. The laws and the system are slanted their way, and they rely on spreading the risk far and wide.Reinsurance is how the insurers lay off the risks that are too big and can’t be completely spread around. The reinsurers. Margaret St. James presented her business card to me with great aplomb as she stood at the door to our suite. She wore a masculine yet highly tailored three-piece suit that I guessed came from Saville Row, and spoke meticulous English with a beautiful British accent. She asked me to call her Margo. Despite her formal dress, she had a casual and friendly air about her.Margo sat and explained her presence; "Miss Mils Cartwright and I are of the same profession. I have worked with the lovely lady. More

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