Roshyamal Majumdar talks to panel RK Nair, MN Rao, Bhargav Dasgupta, Amitabh Choudhry, P Nandgopal and Gaurav Garg about the 15 per cent degrowth in the insurance sector and the issues regarding the regulatory flip-flops. "Last year has been one of the most difficult years for insurance", says Bhargav Dasgupta, MD & CEO, ICICI Lombard.