Nearsightedness is to a large extend inherited; its incidence vary from one family to another. The reason behind the link between the common incidence of nearsightedness and high intelligence is unclear. Previous generations thought that eyes could become strained by years spent pouring over books, but a few decades ago the popular medical views was that nearsighted people gravitated towards the library because they find it hard to excel at sports. Recently there has been partial support for a theory that intelligence and nearsightedness may, in fact, be part of a genetic package.

The biggest risk facing the world’s insurance company is possibly the rapid change now taking
place within their own ranks. sluggish growth in core markets and intense price competition, 
coupled with shifting patterns of customer demand and the rising cost of losses, are threatening to 
overwhelm those too slow to react