But the force that has driven the 57-year-old to visit 122 countries is more than just professional.

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The Department of Financial Services said the agreements also call for restitution to homeowners erroneously charged for or driven into default by force-placed insurance.

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It also will force the functional service providers to be more market-driven.

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"Michelle is a driven, determined and strong-willed force, " her friend and co-worker Krissy Fischer says.

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An international peace-keeping force would then move in, and refugees driven from these areas would return to their homes.

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Some 80 Israeli diplomats and their families were driven to the airport under military escort and ferried home by an Israeli air-force plane.

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But it may also be because Mr Rumsfeld is halfway through a transformation of America's military, from a lumbering force of infantry and armoured divisions built to face the Soviets into a lighter, faster, supposedly smarter, technology-driven machine for the wars of tomorrow.

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