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The insurance industry loves golf,” says Jerry Ganoni, president of Humana Small Business and Humana Dental in Green Bay, Wis. Ganoni first swung a club at the age of 8 but nevertheless claims he's “not any good.” That kind of modesty is part of the game. It's the rare recreational golfer who admits to any talent: It's too much like tempting fate. Every golfer knows that things could fall apart at any moment, completely and inexplicably. But that threat is more than matched by the thrill

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