The outlook in the UK is promising, particularly if there is an uplift in the housing market.

The UK now offers the lowest margins in the world.

Our international businesses both had a tremendous quarter. Our results demonstrate the continued strong momentum across our life and pensions businesses.

The protection market remains challenging, but improvements in our competitive position and new distribution partnerships mean we are confident for the remainder of the year.

We see opportunities for growth (as being) stronger outside the UK at the moment.

Both core businesses, UK and International, are very well positioned for next year and our distribution arrangement, in the UK and overseas, will have a positive impact to support future profitable growth.