Assuming markets behave reasonably well in 2006, I would expect there is no reason we couldn't grow operating earnings in double digits.

In both countries, we're on track to be up and running around the middle of 2006.

You need to run and find shelter whether it's a car or a building or something like that, because if you jump in a car, sure some of the bees are gonna come with you, but you can deal with the ones that make it in there.

We would certainly have financial flexibility to do another deal if that came up.

It is a market we know very well...the margins in life insurance in Hong Kong remain very attractive. It will enable us, if we integrate it well, to create significant value.

Growth in Asia is strategically very important to us. From a strategic point of view Hong Kong is what we were after.