WHEN A GROUP of about 20 planners plus their guests from all over the country boarded planes for a flight to St. Thomas, USVI, in September for Ritz-Carlton's annual Educational Insurance Planner Weekend, they didn't know that Tropical Storm Jeanne was about to wreak havoc with their plans. Ritz-Carlton, anxious to introduce these high-profile planners to its St. Thomas property, had planned four days of familiarization, education, and activities. But only a handful of planners made it to ...

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