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This is one of the reasons Brazil is one of the most Links of London Sale of any of the countries whose insurance sectors are profiled by BMI . In terms of its timing the merger roughly coincided with the sale by troubled US insurance group AIG of its stake in a joint venture with Un ibanco back to the Brazilian bank. The deal is noteworthy because despite AIG's need to raise cash to repay funds borrowed from the US Treasury, relatively few of its many insurance businesses have actually been sold. AIG's Nan Shan operation in Taiwan is the other large insurer that has been disposed of. The Itaú/Unibanco deal is also noteworthy because it combines the now fully owned insurance operations of Unibanco with those of Links of London Charms within a huge financial services empire that has an extensive branch network in Brazil. Time will tell the extent to which Unibanco and Itaú are able to achieve substantial rationalisation benefits within their insurance operations and whether these gains flow mainly to shareholders or customers. Bancassurance is only one of several distribution options that are exploited by the major insurers. Bradesco 's insurance arm is, by some accounts, the largest insurer in Latin America. It distributes by way of its own branch network and 30,000 brokers. Although some of the large Brazilian insurers are elements of the leading banking groups and others, such as Porto Seguro and SulAmérica , are independent insurers, what they all have in common is that they are essentially composite insurers. Through a variety of subsidiaries, they offer voluntary auto insurance (CASCO, but typically including roadside assistance as well), property insurance, life/savings Links of London Black And Gold Friendship Bracelet and capitaliza??o savings bonds. Life/savings products include private pension (previdência aberta) plans as well as Vida Gerador de Beneficio Libre (VGBL) and Plano Gerador de Beneficio Libre (PGBL) products. This article discusses the accuracy and sources of economic assessments in three ways. First, following the rational expectations literature in economics, a large sample of countries over a long time period permits tests of the unbiasedness implication of the rational expectations hypotheses (REH), revealing much variation in the accuracy of expectations and the nature of the biases in expectations. Secondly, a theory of expectation formation encompassing the unbiasedness prediction of the REH and setting out the conditions under which economic expectations should be too optimistic or too pessimistic is elucidated. Zaller's theory of political attitude formation allows the identification of variables conditioning the accuracy of expectations across contexts, drawing a link between the thinking of political scientists and economists about expectation formation. Finally, the theoretical Links of London Black And Orange Friendship Bracelet that political context impacts the accuracy of average expectations is tested.