Years lost in early life are irrecoverable, particularly in cricket.

You're 30, you know cricket isn't the be-all and end-all. You're probably educated and know there is life away from cricket.

You don't need to play every ball but every ball needs your judgement.

You can't get out of life alive

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.

Continental people have sex-lives; the English have hot-water bottles