It has been a very good year for the group. The core group has performed strongly and we have made further progress in de-risking the US.

This will take time to resolve... I can't put a timeframe on it.

As we see it today, we would expect the core group to deliver a combined operating ratio of around 95% in 2006.

While the situation in the U.S. is complex, we have made good progress and remain focused on our objectives.

It has been a very good year for the Group ... we will continue to deliver sustainable profitable performance.

He's an even more physical player than he was a year ago. It adds another dimension because once he catches it, now you've got to tackle him. That's easier said than done.