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Timing Is Everything: NY Insurance Law ' 3420(d)

By Daren S. McNally and Matthew I. Gennaro
April 26, 2012

In J.R.R. Tolkien's “The Hobbit,” the creature Gollum poses the following riddle to the story's protagonist, Bilbo Baggins, during a life-or-death (for Bilbo) battle of wits:

This thing all things devours:

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