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      <subfield code="a">Everyone who participates in the insurance transaction beneficts from financially stable underwriting. The policyholder certainly beneficts. And in a world characterised by higher and more uncertain risk, doubly so. Our industry is based on trust -- trust in a promise to pay, now and owver the long-term</subfield>
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      <subfield code="a">Foresight</subfield>
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      <subfield code="t">Foresight : the journal of risk management</subfield>
      <subfield code="d">London</subfield>
      <subfield code="g">December 2003 ; p. 11-13</subfield>
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