Congratulations to Richard Klipin and AIA for a return to the FSC. More details at this link. We hope that the benefits of collective action, where that is possible will be realised. There are many areas which require collective approaches. One is setting the rules of the industry, so it is good to have, essentially, the whole industry co-operating in discussing law and regulation changes with the various agencies responsible. Another is public relations, and for insurance, it is important to retain the right of insurers to inderwrite cases, load, and defer, where they need to do so - a battle being fought in countless articles about underwriting and claims right now.