THE  PROBLEM   “A  university  is  a  unique  environment,”  said  Mike  Smith,   a  risk  management  specialist  for  Auburn  University,  in   Auburn,  Ala.  “We  have  all  the  exposures  seen  typically  in   cities  or  municipalities,  and  then  some,  because  of  our   widespread  scope  and  research  efforts.”       With  

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