Phil Norwood hadn’t been in the office long when an insurance broker strolled into his cubicle. “We’ve had a tanker attacked,” the man announced. Norwood sighed—another one—then grabbed a pen and scrawled out the vessel’s name on the front of an empty file: “Brillante Virtuoso.” Norwood was a tall Englishman with the ruffled demeanor of a not-so-serious schoolboy. He worked as a claims manager for the marine arm of Zurich Insurance Group, which was housed in a building with a gloomy, faux-gothic façade, one among several towers clustered around Lloyd’s of London, the world’s leading insurance
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