It is Chris Bell's last day as manager of the claims team at Asteron Life today as he leaves to pursue other interests. Many people will know and like Chris Bell's approach to the team, always exuding compassion, competence, and a balance which has made him widely respected. I have heard him talk about the claims process and managing disability claimants back to work - and it is an important and difficult task. He was part of my early career when he managed the underwriting team at Prudential. He will be missed.