| Specialty Lines Markets:Heavy construction—Brighter days ahead
 Heavy construction contractor business looks to 2013 for growth.
 Technology:It's all about activity
 A DIY pipeline management tool using TAM keeps this Michigan agency's producers focused and the bottom line growing.
 Benefits Agency:Commitment to quality
 Agency's emphasis on quality management is reflected in its benefits offerings.
 Marketing:Architects and engineers: Blueprint for recovery
 Schinnerer executive says A&E business is retooling for a new reality.
 Other Feature Stories:Changing comp market calls for extra care
 Hard market appears to be just around the corner.
 Telematics: Game changer?Early results suggest this evolving technology will benefit both personal and commercial vehicle market.
 Construction still represents $21.5 billion in premium Eye on videoVideo is a hot marketing "power tool" for agents, wholesalers, and insurers.
 A "conflicted" workers comp marketplaceAnd that's an improvement from last year, as some trends turn positive.
 Cyber liability and captivesSRS Webinar examines legal and jurisdictional considerations.
   COLUMNSRisk Management—Cyberbullying
 By Donald S. Malecki, CPCU
 Winning Strategies—What's your growth plan and budget?By Roger Sitkins
 Risk Managers' Forum—When a client uses temporary labor firmsBy Glenn Peterson, CIC, CRM
 Enterprise Risk Management—Where's the beef?By Michael J. Moody, MBA, ARM
 Public Policy Analysis & Opinion—On your sideBy Kevin P. Hennosy
 Customer Service Focus—Investing in serviceBy Rebecca Shivers, ACSR
 Agents E&O Loss Prevention—Potential pitfalls with workers compBy Curtis M. Pearsall, CPCU, AIAF, CPIA
 The Innovative Workplace—Hiring agency winnersBy Don Phin
 Social Media Forum—Commercial lines takes center stage for some agentsBy Tom Wetzel
   DEPARTMENTSCourt Decisions
 Centuries of Rough Notes (Flip Book)
 Rough Notes Staff
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