<http://schema.org/description>
"While the US insurance industry is making strides towards RMORSA readiness, a number of material gaps still exist at many companies. Furthermore, in PwC\u2019s view, there are many important advantages to having a well embedded ERM framework that helps insurers exploit key opportunities and maximize risk-adjusted returns, while protecting policyholders\u2019 interests. Meeting regulatory requirements as a by-product of an effective ERM framework and risk-aware culture, rather than seeing the RMORSA as a pure compliance requirement, will help differentiate tomorrow\u2019s winners in the market."^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.pwc.com/us/en/insurance/publications/insurance-survey-erm-rmorsa-2012.html>