Does anyone else smell shift? Do you sense that the insurance industry is headed for an upheaval? Do you suspect that there is some brilliant, forward-thinking entrepreneur in a garage somewhere about to reinvent the game? Do you find it hard to make your case for leading change, while everyone else is still talking the same way, doing the same things, and getting the same results? More important, when you raise the issue, do those around you look at you like you are crazy? Do they tell yo...