“If you took all the men and women employed in the U.S. insurance industry and laid them head to toe, starting on New York’s William or John Street – the little-talked-about insurance industry equivalents of neighboring Wall Street – they would stretch up the West Side Highway, head to toe, over the George Washington Bridge into N.J., down the N.J. Turnpike to the Pa. Turnpike, across Pa. into Ohio, through Ohio along Interstate 80 past Chicago, past Des Moines, past Lincoln, Nebraska – still head to toe, one after another – past Cheyenne, Wyoming to someplace just shy of Salt Lake City.”