http://www.property-casualty.com/News/2010/5/Pages/IIABNY-Proposes-New-Language-For-Disclosure-Regulation.aspx

"The Independent Insurance Agents & Brokers of New York has suggested additional language to the state Department of Insurance regarding disclosure regulation, as it gears up for a court challenge.

The DeWitt, N.Y.-based association said the new language would help producers comply with the new regulation on producer compensation transparency. The proposal, submitted on Thursday, was made at the encouragement of the department, IIABNY said in a statement."

I am slightly confused as to what this new language is but in terms of creating a new language for a particular use, I can understand this. I understand that there are needs for certain words, whether in a job or to describe a certain situation. In addition, some languages are formed because of the need for words that cannot be found in another language.

Therefore, are languages a creation because we need them or do they form because we communicate to the point where they are created?